This home is in Jacksonville.

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Pending

Pending·35 days on market

12301 Kernan Forest Boulevard 1306

Jacksonville, FL 32225

$215,000$192/sqftEst. $1,144/moMLS# 2150409

Beds

Baths

1,122

Sq Ft

2005

Built

Garage

Pool

About this home

Jacksonville

Welcome home to this beautifully updated 2-bedroom, 2-bathroom townhome located in a desirable gated Hammock Grove community. The first floor features a private garage and entry foyer, while all living spaces are conveniently located on the second level. Recent 2025 updates include fresh interior paint, new carpet in both bedrooms, and new kitchen appliances. The spacious living and dining areas feature durable luxury vinyl plank flooring. Enjoy all the community amenities, including a swimming pool, playground, clubhouse, and basketball court. Conveniently located near shopping, dining, and major highways, this move-in ready home offers low-maintenance living in a fantastic community setting.

Cost to own

Mortgage calculator

Home Price

$215,000

Down Payment: 20%

$43,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,093

Principal & Interest: $1,093

Est. Taxes & Insurance: $273

Estimated Total Monthly

$1,366

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,144

Property taxesest. at asking price, Duval County$351

HOAbilled monthly$320

Estimated total, before insurance$1,815/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Year	Market value	Taxable value	Change
2025	$191,500	$158,797	—
2024	$191,500	$144,361	—
2023	$191,500	$131,238	—
2022	$143,000	$119,308	—
2021	$123,000	$108,462	—
2020	$113,000	$98,602	—

2025 property taxes (current owner): $3,045/yr

Estimated taxes if purchased at asking price: ~$4,200/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.