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This home is in Jacksonville.

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Active·73 days on market

1712 Bristlecone Pine Place

Jacksonville, FL 32225

$415,000$169/sqftEst. $2,136/moMLS# 2148419

Beds

Baths

2,454

Sq Ft

1985

Built

Garage

Pool

About this home

Jacksonville

Tucked away on a quiet cul-de-sac, this charming 3 bedroom, 2 bathroom home offers the perfect blend of privacy, space, and convenience. Roof is 2022, new carpet 2026, new windows 2024, new water heater 2023, new siding 2024. Enjoy peaceful pond views from your large, fully fenced backyard, an ideal retreat for relaxing, entertaining, or letting the kids and pets roam freely. Inside, the open-concept kitchen flows seamlessly into the living room, keeping everyone connected whether you're cooking or catching up. A generous separate dining space is ready for holiday gatherings and family dinners, while a large bonus room provides the flexibility to use it as a second living area, home office, playroom, or even an additional sleeping space. Located just minutes from Mayport Naval Station, Jacksonville Beaches, top-rated shopping, parks, and major commute routes and with no HOA to tie you down. This home checks all the boxes for comfort, flexibility, and location.

Cost to own

Mortgage calculator

Home Price

$415,000

Down Payment: 20%

$83,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,136

Principal & Interest: $2,136

Property taxes (est.): $678

Insurance (est.): $277

Estimated Total Monthly

$3,090

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,136

Property taxesest. at asking price, Duval County$678

Estimated total, before insurance$2,813/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.

Cost to own

Taxes & assessment

Last sold: $391,000 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$339,618	$0	—
2024	$348,440	$0	▲ $9,987
2023	$340,859	$0	—
2022	$299,381	$299,381	▲ $5,000
2021	$248,172	$196,319	—
2020	$242,919	$192,919	▲ $10,000

Estimated taxes if purchased at asking price: ~$8,100/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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · Public water · JEA

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,504 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