This home is in Johns Creek, Jacksonville.
Active Under Contract·45 days on market·Johns Creek
12989 Chets Creek Drive S
Jacksonville, FL 32224
About this home
Johns Creek
Some homes offer a great floorplan. Others offer a great location. This Johns Creek gem delivers both, along with peaceful pond views and a community residents rarely want to leave. From the moment you arrive, you'll appreciate the extended driveway and gated side access, offering a rare opportunity to store your boat or RV right on your property; something that's increasingly difficult to find in this area. Inside, you'll find over 2,000 square feet with a classic split-bedroom floorplan and plenty of room to make the space your own. Just off the foyer are two versatile rooms ready to fit your lifestyle. Whether you need a home office, formal dining room, playroom, fitness space, game room, or craft room, the possibilities are endless. The kitchen is filled with potential and charm, featuring a cozy breakfast nook that's perfect for a built-in bench and table.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $420,330 | $239,307 | ▲ $36,780 |
| 2024 | $384,844 | $231,856 | ▼ $10,960 |
| 2023 | $410,379 | $223,647 | ▲ $41,491 |
| 2022 | $355,630 | $215,677 | — |
| 2021 | $280,809 | $207,939 | — |
| 2020 | $266,036 | $204,378 | ▲ $3,581 |
2025 property taxes (current owner): $4,775/yr
Estimated taxes if purchased at asking price: ~$9,900/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 1997)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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).
Solar potential: ~1,783 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 homeAs 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 12, 2026Listed$505,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Johns Creek
Johns Creek is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.
View all Johns Creek homes for sale →Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines