This home is in Johns Creek, Jacksonville.

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Active

Active·49 days on market·Johns Creek

12767 Quincy Bay

Jacksonville, FL 32224

$434,000$284/sqftEst. $2,213/moMLS# 2149329

Beds

Baths

1,528

Sq Ft

2000

Built

Garage

Pool

About this home

Johns Creek

Discover a charming house located at 12767 Quincy Bay Dr, Jacksonville, FL 32224. This property has a serene living space within a well-established neighborhood. The property boasts a spacious layout, appropriate for comfortable living. Inside, you will find a thoughtfully designed split open floor plan that maximizes space and functionality. Large windows throughout the home invite natural light, enhancing the overall ambiance. New tile flooring and interior paint throughout in 2023. New roof in 2018 and new AC in 2022. The area has easy access to various amenities and conveniences. Explore this inviting house and imagine the potential it holds for creating a home tailored to your lifestyle. Don't miss the opportunity to own a property in this desirable location, offering a blend of comfort and convenience. Lot size is around 40 larger than standard neighboring lots which allows plenty of room to put a pool. Community also has a pool and playground.

Cost to own

Mortgage calculator

Home Price

$434,000

Down Payment: 20%

$86,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,213

Principal & Interest: $2,213

Property taxes (est.): $709

Insurance (est.): $289

Estimated Total Monthly

$3,211

*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$2,213

Property taxesest. at asking price, Duval County$709

HOAbilled annually$30

Estimated total, before insurance$2,951/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,661/yr · $555/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	$363,241	$350,178	▲ $32,514
2024	$331,717	$318,344	▼ $8,826
2023	$352,275	$289,404	▲ $39,248
2022	$302,227	$263,095	—
2021	$239,178	$239,178	—
2020	$227,206	$227,206	▲ $3,845

2025 property taxes (current owner): $6,661/yr

Estimated taxes if purchased at asking price: ~$8,500/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: material not specified — 2018 per the listing

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

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).

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