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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Sold

Sold·Closed Aug 10, 2026·28 days on market·Recent sales in New Construction — Jacksonville

12513 Gately Oaks Lane E

Jacksonville, FL 32225

$535,000sold priceListed at $550,000 · 97.3% of asking$220/sqftMLS# 2150964
4
Beds
2
Baths
2,431
Sq Ft
2001
Built
2
Garage
No
Pool
FEMA Zone XHOA $22/mo11,761 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Welcome home to this beautifully maintained all-brick 4-bedroom, 2-bathroom home offering 2,431 square feet of comfortable living space in a desirable Jacksonville location. The spacious floor plan provides multiple living and entertaining areas, while the well-designed kitchen opens to the heart of the home. Enjoy Florida living year-round in the enclosed lanai, perfect for relaxing, dining, or hosting guests. Step outside to the paver patio, creating additional outdoor living space for gatherings and weekend cookouts. The additional parking area offers added convenience and flexibility. Conveniently located near shopping, dining, parks, schools, major highways, and Jacksonville's beautiful beaches, this move-in-ready home combines timeless curb appeal, functional living spaces, and an unbeatable location. Don't miss this opportunity!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,963
Property taxesest. at asking price, Duval County$874
HOAbilled annually$22
Estimated total, before insurance$3,859/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,298/yr · $608/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$535,000
$107,000
Loan Term
Monthly Payment
$2,963
Principal & Interest: $2,963
Property taxes (est.): $874
Insurance (est.): $357
Estimated Total Monthly
$4,194
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2001)

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: ~1,767 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$454,363$381,545—
2024$428,302$370,085—
2023$425,187$357,850▲ $13,000
2022$395,971$345,971▲ $48,523
2021$291,657$196,417—
2020$262,392$193,015—

2025 property taxes (current owner): $7,298/yr

Estimated taxes if purchased at asking price: ~$10,500/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.

History

Price & status history

  • Aug 11, 2026Closed$550,000
  • Jul 20, 2026Pending$550,000
  • Jun 22, 2026Listed$550,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $245/sq ft; this home is listed at $226/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
13141 Ebbtide Court, Jacksonville, FL 32225Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$450,000$2453/21,833180.4
12441 Tierra Chase Way, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$599,000$1915/3.53,132690.5
12424 Tierra Chase Way, Jacksonville, FL 32225Listed by REDFIN CORPORATIONAug 2026$595,000$2234/32,665380.5
1520 Harrington Park Drive, Jacksonville, FL 32225Listed by REDFIN CORPORATIONAug 2026$880,000$2864/3.53,08280.8
1556 Harrington Park Drive, Jacksonville, FL 32225Listed by ONE SOTHEBY'S INTERNATIONAL REALTYAug 2026$815,000$3133/32,60870.8
1716 Chandelier Circle W, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$428,000$2384/21,800340.9

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$550,000
Price / Sq Ft$226
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,431
Acres0.27 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address12513 Gately Oaks Lane E, Jacksonville, FL 32225
Area043-Intracoastal West-North Of Atlantic Blvd
SubdivisionGately Oaks
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size11,761.2 sq ft
Lot Dimensions98 X 120
Parcel Number1621918735
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener
ViewTrees/Woods, Other

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s)
AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringWood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionMany Trees, Wooded
Patio / PorchGlass Enclosed, Rear Porch
FencingBack Yard, Full, Wood
RoofShingle
ConstructionBrick
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 22, 2026
Days on Market28
HOA Fees$259 / Annually
HOA FrequencyAnnually
Tax Amount$7,298.22
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ERA ONETEAM REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 10, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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