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·46 days on market·Wells Creek

11605 Pacific Dogwood Court

Jacksonville, FL 32256

$608,000$198/sqftEst. $3,135/moMLS# 2151286

Beds

Baths

3,075

Sq Ft

2022

Built

Garage

Pool

About this home

Wells Creek

Tucked at the end of a private cul-de-sac on a premium pie-shaped lot, this 2022-built 4BR/2.5BA + office backs to a serene Preserve with no rear neighbors and a fully PVC-fenced yard. Smart home features include LED smart lighting, smart thermostat, Eufy keyless lock, and Ring doorbell with 2 cameras, plus whole-house water softening and reverse-osmosis filtration. The kitchen boasts high-gloss custom cabinetry, walk-in pantry, butler's pantry, and smart stainless appliances including a French-door refrigerator. Enjoy two LG WashTower laundry centers, ceramic tile down, vinyl up, blinds throughout, and a custom IKEA PAX primary closet. Outside: extended paver driveway/walkways, screened lanai, and a Vuly playset. The oversized garage offers heavy-duty New Age cabinets, utility sink, and a mini-split A/C, plus 4 exterior storage sheds. No CDD fees. Move-in ready in sought-after Wells Creek -- a must-see!

Cost to own

Mortgage calculator

Home Price

$608,000

Down Payment: 20%

$121,600

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,135

Principal & Interest: $3,135

Property taxes (est.): $993

Insurance (est.): $405

Estimated Total Monthly

$4,533

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,135

Property taxesest. at asking price, Duval County$993

HOAbilled quarterly$125

Estimated total, before insurance$4,253/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,244/yr · $687/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: $499,500 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$492,334	$433,816	▲ $22,291
2024	$470,883	$420,883	—
2023	$471,265	$421,265	▲ $45,402
2022	$70,000	$70,000	—

2025 property taxes (current owner): $8,244/yr

Estimated taxes if purchased at asking price: ~$11,900/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 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,754 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.

History

Price & status history

Aug 6, 2026Price change$608,000−$21,000
Jul 25, 2026Price change$629,000−$41,000
Jul 16, 2026Price change$670,000−$25,000
Jun 22, 2026Listed$695,000

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

Features

Price$608,000

Price / Sq Ft$198

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage3,075

Acres0.21 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryBartram Springs

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address11605 Pacific Dogwood Court, Jacksonville, FL 32256

Area028-Bayard

SubdivisionWells Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size9,147.6 sq ft

Parcel Number1680901205

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Playground

UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesButler Pantry, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Walk-In Closet(s)

AppliancesENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, Gas Range, Gas Water Heater, Tankless Water Heater, Washer/Dryer Stacked, Water Softener Owned

HeatingCentral

CoolingCentral Air, Split System

FlooringTile, Vinyl

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, Sink, Upper Level

SecuritySecurity Fence, Security Lights, Smoke Detector(s)