This home is in Jacksonville.
Sold·Closed Sep 21, 2026·80 days on market·Recent sales in Jacksonville
12384 Cherry Bluff Drive
Jacksonville, FL 32218
About this home
Jacksonville
You won't find a home as well kept in this price point with this many bells & whistles! The owners have continued to upgrade and improve this home each year. The layout is PERFECT; with 3 bedrooms down and the 4th BR & large bonus room (and 3rd full bath) up. The newly vinyl fenced in yard is perfect for kids or pets. There is also an 8x14 shed for your lawn tools and storage. Recent updates include: interior freshly painted, new fans & lights, extended driveway plus concrete sidewalk around side of house, new attic door & partially floored attic, new glass storm door & custom front door, new carpet and wood look tile in family room, custom built in pantry, SS appliances, granite, new garbage disp, faucet & water filtration sys, owners closets have custom adjustable shelving, enlarged rear patio, new garage door opener and so much more! This is a tremendous house for the money, and would work great for a large family. Built in TV rack in family room conveys.
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 — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,767 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
Last sold: $315,000 in February 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $295,985 | $295,985 | — |
| 2024 | $306,249 | $191,978 | ▲ $16,260 |
| 2023 | $312,785 | $184,931 | — |
| 2022 | $296,017 | $178,089 | ▲ $31,247 |
| 2021 | $221,446 | $171,446 | — |
| 2020 | $219,389 | $169,389 | — |
2025 property taxes (current owner): $5,635/yr
Estimated taxes if purchased at asking price: ~$7,100/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
- Sep 22, 2026Closed$354,900
- Aug 20, 2026Active Under Contract$354,900
- Jul 18, 2026Price change$354,900−$10,000
- Jul 7, 2026Price change$364,900−$5,000
- May 29, 2026Listed$369,900
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 $176/sq ft; this home is listed at $161/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12307 Cherry Bluff Drive, Jacksonville, FL 32218Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $346,000 | $151 | 4/3 | 2,290 | 126 | 0.1 |
| 2106 Dunn Creek Cemetery Road, Jacksonville, FL 32218Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $360,000 | $171 | 3/2 | 2,106 | 21 | 0.4 |
| 2233 Lincoln Sendero Trail, Jacksonville, FL 32218Listed by PROPERTY SAGE REALTY LLC | Oct 2026 | $329,000 | $176 | 4/2 | 1,874 | 140 | 0.5 |
| 2611 Water Bluff Drive, Jacksonville, FL 32218Listed by LISA DUKE REALTY LLC | Sep 2026 | $392,900 | $169 | 3/2 | 2,318 | 103 | 0.7 |
| 2655 Kaylor Lane, Jacksonville, FL 32218Listed by RPB REALTY,INC | Sep 2026 | $339,900 | $193 | 4/2 | 1,759 | 88 | 0.7 |
| 13002 Lanier Road, Jacksonville, FL 32226Listed by ATLANTIC SHORES REALTY OF JACKSONVILLE LLC | Sep 2026 | $405,000 | $181 | 4/2 | 2,232 | 111 | 0.8 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX SPECIALISTS
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
Similar homes in Jacksonville
Explore the area
More in Jacksonville
Jacksonville guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 21, 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