This home is in Jacksonville.
Active Under Contract·106 days on market
12396 Hickory Forest Road
Jacksonville, FL 32226
About this home
Jacksonville
NEW PRICE + LOWER PAYMENTS FOR YEAR ONE + LENDER INCENTIVE! With an acceptable offer, seller is willing to contribute toward a 1-year temporary rate buydown. Based on an example conventional financing scenario, this could reduce the buyer's principal & interest payment by approximately $210/month during the first year. Actual rates, payments, savings and eligibility vary. Ask for details! Meticulously maintained 3-bedroom, 2-bath home offering a heated and cooled Florida room, hard-wired whole-home generator, expansive fenced backyard, and beautifully cared-for interior. Step inside to soaring ceilings, abundant natural light, and warm hardwood flooring throughout the main living areas and owner's suite. Designed for comfortable everyday living and entertaining, the open-concept floor plan features a spacious family room, formal dining area, and well-appointed kitchen with ample cabinetry, generous counter space, breakfast nook, & breakfast bar overlooking the living area. The private
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2004)
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: ~1,742 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 | $268,614 | $73,720 | — |
| 2024 | $265,933 | $70,794 | ▼ $166 |
| 2023 | $270,741 | $67,131 | — |
| 2022 | $245,823 | $68,074 | — |
| 2021 | $178,257 | $64,621 | — |
| 2020 | $168,204 | $63,032 | — |
2024 property taxes (current owner): $1,617/yr
Estimated taxes if purchased at asking price: ~$6,600/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
- Sep 23, 2026Active Under Contract$334,900
- Sep 3, 2026Price change$334,900−$5,000
- Jul 13, 2026Price change$339,900−$5,100
- Jun 12, 2026Listed$345,000
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
Listing Courtesy of: REALTY ONE GROUP ELEVATE
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.
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Krista Fracke
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