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 Creekside, Jacksonville — a home near Mandarin High School.

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Active Under Contract

Active Under Contract·50 days on market·Creekside

12743 Camellia Bay Drive E

Jacksonville, FL 32223

$589,000$207/sqftEst. $3,003/moMLS# 2149873

Beds

Baths

2,839

Sq Ft

1999

Built

Garage

Pool

About this home

Creekside

Price Reduced!!! Welcome home to this beautiful property in an upscale enclave neighborhood, filled with custom homes! This neighborhood is located along Julington Creek in the heart of the Mandarin area of Jacksonville. Beaming with curb appeal and lush landscaping you will be impressed immediately! Move-in ready and filled with many updates including flooring, kitchen and bathrooms! Excellent split for plan with formal dining, office and bonus/ potential bedroom above garage. Come and enjoy this peaceful, fully-fenced backyard from an oversized screen patio. Rendering for potential pool are available within the photos. Home also includes all appliances and even a Generac home generator! Convenient to nearby grocery, shopping, restaurants, boat launch and zoned for all ''A'' rated schools. This listing will not last so make your appointment today!

Cost to own

Mortgage calculator

Home Price

$589,000

Down Payment: 20%

$117,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,003

Principal & Interest: $3,003

Property taxes (est.): $962

Insurance (est.): $393

Estimated Total Monthly

$4,358

*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$3,003

Property taxesest. at asking price, Duval County$962

HOAbilled monthly$100

Estimated total, before insurance$4,065/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,821/yr · $402/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

Year	Market value	Taxable value	Change
2025	$502,227	$241,895	—
2024	$448,457	$234,230	—
2023	$430,142	$225,806	—
2022	$414,255	$222,128	—
2021	$306,016	$214,188	—
2020	$297,495	$210,534	▲ $3,000

2025 property taxes (current owner): $4,821/yr

Estimated taxes if purchased at asking price: ~$11,500/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1999)

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

Likely septic · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,502 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 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 14, 2026Active Under Contract$589,000
Jun 12, 2026Listed$589,000

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

Features

Price$589,000

Price / Sq Ft$207

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,839

Acres0.27 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorthwest

School Information

ElementaryLoretto

MiddleMandarin

HighMandarin

Community Information

Address12743 Camellia Bay Drive E, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionCreekside

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size11,761.2 sq ft

Parcel Number1590700160

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySecurity System Owned