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This home is in Wells Creek, Jacksonville.

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Active

Active·48 days on market·Wells Creek

13011 Holsinger Boulevard

Jacksonville, FL 32256

$459,900$224/sqftEst. $2,345/moMLS# 2150393

Beds

Baths

2,053

Sq Ft

2023

Built

Garage

Pool

About this home

Wells Creek

Southern charm meets modern luxury in this stunning ''Sebastian Low Country'' home in South Jacksonville! Located in a premier natural gas community with NO CDD FEES, this residence shines with premium upgrades. The gourmet kitchen boasts 42'' upper cabinets, quartz countertops, Whirlpool SS appliances, and a Bosch fridge. Enjoy upgraded lighting and luxury vinyl plank flooring throughout the main level. The lavish primary suite features a tray ceiling, a spa-like bath with a soaking tub, and a massive walk-in closet. Upstairs, a versatile large loft is perfect for a movie theater or game room. Relax on your screened lanai overlooking a private, fully vinyl-fenced backyard. Bonus: extra parking at the roundabout across the street! Enjoy resort-style amenities: pool, pavilion, playgrounds, and extensive walking/golf cart trails. Minutes from world-class shopping, dining, and top-rated schools, just north of St. Augustine. Don't miss this rare find in a high-growth area!

Cost to own

Mortgage calculator

Home Price

$459,900

Down Payment: 20%

$91,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,345

Principal & Interest: $2,345

Property taxes (est.): $751

Insurance (est.): $307

Estimated Total Monthly

$3,402

*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$2,345

Property taxesest. at asking price, Duval County$751

HOAbilled quarterly$83

Estimated total, before insurance$3,179/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: $460,000 in January 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$394,648	$343,926	▲ $5,000
2024	$390,321	$390,321	—
2023	$70,000	$70,000	—

Estimated taxes if purchased at asking price: ~$9,000/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.

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: 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