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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Wells Creek, Jacksonville — a home near Atlantic Coast High School.

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Active

$492,5004 bd · 3 ba · 2,260 sq ft

Active·143 days on market·Wells Creek

11996 Cabana Road

Jacksonville, FL 32256

$492,500$218/sqftEst. $2,685/mo mortgageMLS# 2149675
↓ $57,500 below original list
4
Beds
3
Baths
2,260
Sq Ft
2023
Built
2
Garage
No
Pool

30 more homes for sale in Wells Creek →Search Wells Creek on the map

FEMA Zone XHOA $83/mo7,841 sqft lotSingle Family Residence1 story

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About this home

Wells Creek

Built in 2023, this highly desirable single-story floor plan features 4-bedrooms, 3 full bathrooms, plus a spacious study with double French door entry. The open-concept layout offers ample space for everyday living and entertaining. A nicely appointed kitchen with stainless steel appliances, gas range, and decorative backsplash connects dining and living spaces seamlessly. A cozy screened lanai overlooks a fenced yard with fire pit set against a wooded preserve for ultimate outdoor enjoyment and privacy. Additional conveniences include a built-in drop zone off the entry from the 2-car garage, full irrigation, gutters, and EV charging station. Freshly painted flex room, entry hall, and bathrooms. Ideally located near shopping, dining, healthcare, and Jacksonville's beautiful beaches, Wells Creek is an excellent place to call home. Amenities include a community pool, pavilion, playgrounds, dog park, and ample green spaces all without CDD fees. Schedule your private tour today.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,685
Property taxesest. at asking price, Duval County$804
HOAbilled quarterly$83
Estimated total, before insurance$3,572/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,495/yr · $625/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$492,500
$98,500
Loan Term
Monthly Payment
$2,685
Principal & Interest: $2,685
Property taxes (est.): $804
Insurance (est.): $328
Estimated Total Monthly
$3,818
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2023)

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

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:39 AM, sunset 6:40 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $501,700 in March 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$454,108$391,626—
2024$429,882$379,882▲ $5,000
2023$70,000$70,000—
2022$70,000$70,000—

2025 property taxes (current owner): $7,495/yr

Estimated taxes if purchased at asking price: ~$9,700/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

  • Oct 13, 2026Price change$492,500−$2,490
  • Sep 9, 2026Price change$494,990−$4,010
  • Aug 18, 2026Price change$499,000−$16,000
  • Aug 5, 2026Price change$515,000−$14,000
  • Jul 20, 2026Price change$529,000−$10,000
  • Jul 7, 2026Price change$539,000−$11,000
  • Jun 9, 2026Listed$550,000

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 $230/sq ft; this home is listed at $218/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
13157 Cameron Valley Court, Jacksonville, FL 32256Listed by ENDLESS SUMMER REALTYSep 2026$410,000$2303/21,784110.1
13201 Holsinger Boulevard, Jacksonville, FL 32256Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$397,500$2413/21,6501000.2
12924 Holsinger Boulevard, Jacksonville, FL 32256Listed by ERA ONETEAM REALTYOct 2026$420,000$2553/21,650460.5
13627 Brookwater Drive, Jacksonville, FL 32256Listed by ROUND TABLE REALTYSep 2026$430,000$2154/22,003280.6
13756 Harlowton Avenue, Jacksonville, FL 32256Listed by 1 REALTY CORPAug 2026$440,000$2153/2.52,04230.6
12017 Heyler Street, Jacksonville, FL 32256Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$470,000$1974/2.52,3851350.7

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

Price$492,500
Price / Sq Ft$218
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,260
Acres0.18 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

Community Information

Address11996 Cabana Road, Jacksonville, FL 32256
Area028-Bayard
SubdivisionWells Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Lot Size7,840.8 sq ft
Parcel Number1681245020
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Jogging Path, Maintenance Grounds, Management - Off Site, Park, Playground
Community FeaturesSidewalks, Suburban, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDisposal, Dryer, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Exterior FeaturesFire Pit
Lot DescriptionDead End Street, Sprinklers In Front, Sprinklers In Rear, Wooded
Patio / PorchCovered, Front Porch, Rear Porch, Screened
FencingFenced, Back Yard, Privacy, Vinyl
RoofShingle
ConstructionComposition Siding, Frame
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedJune 9, 2026
Days on Market143
HOA Fees$249 / Quarterly
HOA FrequencyQuarterly
HOA NameWells Creek East
HOA Fee IncludesMaintenance Grounds
Tax Amount$7,495.07
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

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.

The neighborhood

About Wells Creek

Wells Creek is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.

View all Wells Creek homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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