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This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·65 days on market

12634 Cacao Tree Trail

Jacksonville, FL 32218

$310,000$192/sqftEst. $1,595/moMLS# 2149690

Beds

Baths

1,618

Sq Ft

2023

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautifully designed 2023-built 3-bedroom, 2-bathroom home in the sought-after The Arbors northside community of Jacksonville! This move-in ready home offers modern style, functional living spaces, and serene pond views from the backyard Step inside to an open-concept featuring a bright gathering room and a stylish kitchen complete with an oversized island, walk-in pantry, and stainless steel appliances. A 2-car garage and generous storage options add everyday convenience. Enjoy peaceful evenings overlooking one of the neighborhood ponds from your backyard retreat. Residents of The Arbors enjoy access to resort-style amenities, including a sparkling community pool, fitness center, splash pad, and playground. Located just minutes from River City Marketplace, major highways, and positioned between NAS Jacksonville and NS Mayport, this home offers an easy commute and quick access to shopping and dining. Don't miss the opportunity to own this modern Jacksonville gem!

Cost to own

Mortgage calculator

Home Price

$310,000

Down Payment: 20%

$62,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,595

Principal & Interest: $1,595

Property taxes (est.): $506

Insurance (est.): $207

Estimated Total Monthly

$2,308

*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$1,595

Property taxesest. at asking price, Duval County$506

HOAbilled quarterly$10

Estimated total, before insurance$2,112/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: $289,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$250,478	$192,001	—
2024	$235,883	$185,883	▲ $8,848
2023	$50,000	$50,000	—

Estimated taxes if purchased at asking price: ~$6,100/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 D

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

Roof: material not specified — 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

Aug 6, 2026Price change$310,000−$5,000
Jun 9, 2026Listed$315,000

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

Features

Price$310,000

Price / Sq Ft$192

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,618

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address12634 Cacao Tree Trail, Jacksonville, FL 32218

Area091-Garden City/Airport

SubdivisionThe Arbors

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Parcel Number0194492110

Amenities

AmenitiesPool, Clubhouse, Fitness Center

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewLake

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Freezer, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)