This home is in Jacksonville — a waterfront home in Jacksonville.
Sold·Closed Jul 24, 2026·15 days on market·Recent sales in Jacksonville
12704 N Windy Willows Drive
Jacksonville, FL 32225
About this home
Jacksonville
NAVIGABLE WATERFRONT! Bring your boat and dock plans--This beautiful completely renovated home is move-in ready. The custom kitchen is truly a showstopper, featuring 36'' cabinetry with built-in wine rack and glass holder, deep upper cabinets with crown molding detail, elegant elongated hardware, a stunning herringbone stone backsplash, and all new 5-star rated stainless steel appliances. The oversized 8-ft peninsula seats 5+ and is perfect for entertaining. The dramatic 9ft stone fireplace accent wall is stunning. Home has all new Low-E windows, and a new expanded 8ft glass slider door which now fill the home with incredible natural light. Additional upgrades include new commercial grade LVP flooring, new designer ceiling fans & light fixtures throughout. The owner's suite features a custom vanity & a new spacious European style walk-in shower. Exterior updates include a newer roof, Hardi-board siding w/fresh paint, and amazing, peaceful waterfront views you'll never tire of. MUST SEE
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1997)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer & public water · JEA
County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,788 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $287,655 | $273,409 | — |
| 2024 | $277,265 | $248,554 | ▼ $1,215 |
| 2023 | $287,087 | $225,959 | ▲ $35,000 |
| 2022 | $243,948 | $205,418 | ▲ $27,430 |
| 2021 | $186,744 | $186,744 | — |
| 2020 | $182,284 | $182,284 | ▲ $9,687 |
2025 property taxes (current owner): $5,307/yr
Estimated taxes if purchased at asking price: ~$10,300/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Jul 24, 2026Closed$550,000
- Jul 19, 2026Pending$550,000
- May 27, 2026Listed$550,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $279/sq ft; this home is listed at $386/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1313 Chinook Trail, Jacksonville, FL 32225Listed by EXIT 1 STOP REALTY | Sep 2026 | $415,000 | $276 | 3/2 | 1,503 | 57 | 0.1 |
| 13141 Ebbtide Court, Jacksonville, FL 32225Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $450,000 | $245 | 3/2 | 1,833 | 18 | 0.4 |
| 1208 Dorwinion Drive, Jacksonville, FL 32225Listed by GETMOREOFFERS | Aug 2026 | $398,000 | $279 | 3/2 | 1,425 | 1 | 0.4 |
| 930 Arkenstone Drive, Jacksonville, FL 32225Listed by MOMENTUM REALTY | Sep 2026 | $415,000 | $291 | 4/2 | 1,425 | 13 | 0.6 |
| 13948 Norway Pine Place, Jacksonville, FL 32225Listed by NETWORTH REALTY OF JACKSONVILLE, LLC | Aug 2026 | $405,000 | $302 | 3/2 | 1,343 | 26 | 0.9 |
| 12435 Sherman Court, Jacksonville, FL 32225Listed by YOUR HOME SOLD GUARANTEED REALTY ADVISORS | Aug 2026 | $400,000 | $240 | 3/2 | 1,669 | 3 | 1.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BAXLEY AND B DALTON REALTY, INC.
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Keep looking
More homes in Sterling Ridge
For Sale12619 Fish Hawk LaneJacksonville, FL 32225
3 bd · 2 ba · 1,425 sq ft
$424,900Est. $2,261/moPrice Reduction + $5000 Seller Contribution + Potential 100% Financing = A GREAT OPPORTUNITY! Come see why the seller…
Listing Office: berkshire hathaway homeservices florida network realty
Pending12559 Herblore DriveJacksonville, FL 32225
4 bd · 2 ba · 1,956 sq ft
$406,000Est. $2,161/moHOT OFF THE PRESS!!! 12559 HERBLORE DRIVE IS FOR SALE!!! **NEW ROOF PRIOR TO CLOSING** ** **NEW FENCE** 4 BR 2…
Listing Office: watson realty corp
Under Contract1112 Dorwinion DriveJacksonville, FL 32225
4 bd · 2 ba · 1,467 sq ft
$374,000Est. $1,991/moCharming 4-bedroom, 2-bath home nestled in a quiet neighborhood with peaceful pond views. Featuring a desirable…
Listing Office: river city rentals and realty
Pending12601 Herblore DriveJacksonville, FL 32225
3 bd · 2 ba · 1,957 sq ft
$370,000Est. $1,969/moWelcome to this inviting 3-bedroom, 2-bath home in Sterling Ridge at Intracoastal West, set on a quiet corner lot with…
Listing Office: mark spain real estate
Keep looking
Similar homes in Jacksonville
Explore the area
More in Jacksonville
Jacksonville guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 24, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines