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This home is in Jacksonville — a home near Mandarin High School.

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Active

Active·59 days on market

12647 Julington Oaks Drive

Jacksonville, FL 32223

$549,900$221/sqftEst. $2,804/moMLS# 2148911

Beds

Baths

2,492

Sq Ft

2014

Built

Garage

Pool

About this home

Jacksonville

Beautifully maintained single-story home in desirable Julington Oaks featuring 4 bedrooms, 2.5 baths, nearly 2,500 sq. ft., and a 3-car garage. The open layout offers high ceilings, upgraded luxury vinyl flooring, recessed lighting, and stylish accent walls. The kitchen shines with granite countertops, stainless steel appliances, double ovens, tile backsplash, dark cabinetry, pendant lighting, and a large island overlooking the main living area. The spacious primary suite includes dual vanities, a walk-in shower, and generous closet space. Enjoy a covered lanai and fenced backyard with a peaceful, private feel, all close to Mandarin shopping, dining, parks, and Julington Creek conveniences.

Cost to own

Mortgage calculator

Home Price

$549,900

Down Payment: 20%

$109,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,804

Principal & Interest: $2,804

Property taxes (est.): $898

Insurance (est.): $367

Estimated Total Monthly

$4,068

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,804

Property taxesest. at asking price, Duval County$898

HOAbilled annually$55

Estimated total, before insurance$3,756/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,716/yr · $476/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	$496,399	$289,635	—
2024	$465,597	$280,765	—
2023	$441,072	$271,132	▲ $71,747
2022	$356,213	$261,779	—
2021	$302,699	$252,699	—
2020	$294,785	$235,769	▲ $5,000

2025 property taxes (current owner): $5,716/yr

Estimated taxes if purchased at asking price: ~$10,800/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 2014)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,643 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

Jun 5, 2026Listed$549,900

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

Features

Price$549,900

Price / Sq Ft$221

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,492

Total Structure Area3,354 sq ft

Acres0.24 acres

Year Built2014

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryLoretto

MiddleMandarin

HighMandarin

Community Information

Address12647 Julington Oaks Drive, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionJulington Oaks

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size10,454.4 sq ft

Parcel Number1590961065

Amenities

AmenitiesNone

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyThermostat

ParkingAttached, Garage, Garage Door Opener, On Street

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)