This home is in Johns Creek, Jacksonville — a waterfront home in Jacksonville.
Sold·Closed Aug 10, 2026·4 days on market·Recent sales in Johns Creek·Johns Creek
12989 Chets Creek Drive S
Jacksonville, FL 32224
16 more homes for sale in Johns Creek →Search Johns Creek on the map
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.
Next steps in Johns Creek
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
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: ~$10,000/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
- Aug 10, 2026Closed$505,000
- Jun 12, 2026Listed$505,000
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 $296/sq ft; this home is listed at $230/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12968 Chets Creek Drive N, Jacksonville, FL 32224Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $469,000 | $252 | 3/2 | 1,858 | 2 | 0.2 |
| 4577 Pebble Brook Drive, Jacksonville, FL 32224Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $640,000 | $278 | 5/3 | 2,302 | 13 | 0.5 |
| 12829 Biggin Church Road S, Jacksonville, FL 32224Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $692,000 | $304 | 4/3 | 2,276 | 62 | 0.7 |
| 3771 Hunt Club Road, Jacksonville, FL 32224Listed by INI REALTY | Sep 2026 | $817,500 | $324 | 3/2.5 | 2,524 | 3 | 0.8 |
| 4078 Glenhurst Drive N, Jacksonville, FL 32224Listed by FLUID REALTY, LLC. | Sep 2026 | $626,025 | $296 | 3/2 | 2,114 | 3 | 0.9 |
| 13038 Kernan Mill Lane S, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $495,000 | $258 | 3/2 | 1,918 | 3 | 1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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 Johns Creek
Johns Creek is a neighborhood in Jacksonville, FL (Duval County), ZIP 32224.
View all Johns Creek homes for sale →Keep looking
More homes in Johns Creek
For Sale13055 Brians Creek DriveJacksonville, FL 32224
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Under Contract13096 Quincy Bay DriveJacksonville, FL 32224
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$515,000Est. $2,741/mo** PRICE IMPROVEMENT ** A beautifully renovated home awaits you in Johns Creek, with a backyard large enough for your…
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Under Contract12825 Kelsey Island DriveJacksonville, FL 32224
4 bd · 2 ba · 1,884 sq ft
$518,444Est. $2,759/moFantastic home with so many recent updates and upgrades, it feels like buying the builder's model, without the…
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For Sale12874 Winthrop Cove DriveJacksonville, FL 32224
4 bd · 3 ba · 2,495 sq ft
$539,000Est. $2,869/moWelcome to peaceful Johns Creek living in a home where comfort, privacy, and beautiful surroundings come together.…
Listing Office: keller williams realty at the lakes
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 10, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines