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This home is in Jacksonville.

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Pending

Pending·67 days on market

12528 Point Park Drive

Jacksonville, FL 32225

$399,900$199/sqftEst. $2,062/moMLS# 2148047

Beds

Baths

2,013

Sq Ft

1991

Built

Garage

Pool

About this home

Jacksonville

Welcome home to this charming, move-in ready 3-bedroom, 2-bath home in a desirable neighborhood! Featuring a brand NEW roof. From the moment you arrive, you will appreciate the inviting feel, comfortable layout, and well-maintained condition that make this home easy to love. Inside, the home offers a welcoming family room and a lovely lanai just beyond it, creating the perfect setting for quiet mornings, casual evenings, or gathering with friends and family. This well-maintained home offers comfort, charm, and functionality throughout. The backyard includes a workshop and separate gardening shed, providing great space for hobbies, storage, or projects. Conveniently located with easy access to major roadways, this home is less than 10 miles from the beaches and NAS Mayport, making commuting and weekend fun easy. Whether you are a first-time buyer, downsizing, or looking for a warm and versatile home, this

Cost to own

Mortgage calculator

Home Price

$399,900

Down Payment: 20%

$79,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,062

Principal & Interest: $2,062

Property taxes (est.): $653

Insurance (est.): $267

Estimated Total Monthly

$2,982

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.69% · 30yr$2,062

Property taxesest. at asking price, Duval County$653

HOAbilled annually$6

Estimated total, before insurance$2,721/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,590/yr · $216/mo

• 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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$335,348	$116,161	—
2024	$335,693	$112,039	▼ $206
2023	$302,110	$107,174	—
2022	$267,718	$102,451	▲ $13,351
2021	$218,250	$97,866	—
2020	$213,015	$95,756	▲ $12,996

2025 property taxes (current owner): $2,590/yr

Estimated taxes if purchased at asking price: ~$7,800/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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1991)

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: ~1,769 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 home

As 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.

History

Price & status history

Jul 15, 2026Pending$399,900
Jun 1, 2026Listed$399,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$399,900

Price / Sq Ft$199

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,013

Acres0.19 acres

Year Built1991

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address12528 Point Park Drive, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionMt Pleasant Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size8,276.4 sq ft

Parcel Number1621121720

Amenities

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Garage, Washer Hookup

Window FeaturesSkylight(s)