Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie'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

Active·51 days on market·Wells Creek

11996 Cabana Road

Jacksonville, FL 32256

$529,000$234/sqftEst. $2,697/moMLS# 2149675

Beds

Baths

2,260

Sq Ft

2023

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$529,000

Down Payment: 20%

$105,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,697

Principal & Interest: $2,697

Property taxes (est.): $864

Insurance (est.): $353

Estimated Total Monthly

$3,914

*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$2,697

Property taxesest. at asking price, Duval County$864

HOAbilled quarterly$83

Estimated total, before insurance$3,644/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).

Cost to own

Taxes & assessment

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

Year	Market value	Taxable value	Change
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: ~$10,400/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 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 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 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.

Features

Price$529,000

Price / Sq Ft$234

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

ElementaryBartram Springs

MiddleTwin Lakes Academy

HighAtlantic Coast

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

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