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 Wells Creek, Jacksonville — a home near Atlantic Coast High School.

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Active

Active·45 days on market·Wells Creek

12968 Holsinger Boulevard

Jacksonville, FL 32256

$464,900$226/sqftEst. $2,370/moMLS# 2150667

Beds

Baths

2,053

Sq Ft

2024

Built

Garage

Pool

About this home

Wells Creek

BETTER THAN NEW! Why wait to build when this beautifully upgraded Sebastian floor plan in Wells Creek already has everything today's buyers want--and thousands in premium post-construction improvements already completed? Built just two years ago, this 3-bedroom, 2.5-bath home offers over 2,000 square feet of thoughtfully designed living space featuring an open-concept layout, spacious upstairs loft, generous secondary bedrooms, and a luxurious owner's suite with a professionally designed custom walk-in closet. The well-appointed kitchen opens seamlessly to the main living and dining areas, creating the perfect space for entertaining or everyday living. Upstairs, the versatile loft provides ideal flex space for a home office, media room, playroom, or fitness area.

Cost to own

Mortgage calculator

Home Price

$464,900

Down Payment: 20%

$92,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,370

Principal & Interest: $2,370

Property taxes (est.): $759

Insurance (est.): $310

Estimated Total Monthly

$3,439

*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$2,370

Property taxesest. at asking price, Duval County$759

HOAbilled monthly$83

Estimated total, before insurance$3,212/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,149/yr · $596/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

Last sold: $474,400 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$399,560	$399,560	▲ $5,000
2024	$75,000	$75,000	—
2023	$70,000	$70,000	—

2025 property taxes (current owner): $7,149/yr

Estimated taxes if purchased at asking price: ~$9,100/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2024)

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

Price & status history

Jul 22, 2026Price change$464,900−$10,000
Jun 15, 2026Listed$474,900

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

Features

Price$464,900

Price / Sq Ft$226

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,053

Acres0.11 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryBartram Springs

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address12968 Holsinger Boulevard, Jacksonville, FL 32256

Area028-Bayard

SubdivisionWells Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size4,791.6 sq ft

Parcel Number1681245615

Amenities

AmenitiesPool, Park

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Pantry, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories2

LevelsTwo