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 Jacksonville.

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Pending

Pending·56 days on market

12328 Johnson Lane

Jacksonville, FL 32218

$77,500$90/sqftEst. $399/moMLS# 2151329

Beds

Baths

864

Sq Ft

1963

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to this 3-bedroom, 1-bathroom home offering 864 sq. ft. of living space on well and septic. (2015) roof, (2018) A/C system, and an electric tank water heater (2014-2015). Additional improvements include septic system cleaned in (2026) and plumbing throughout replaced approximately (10 years) ago. While the home is generally in good condition, it is outdated and will require improvements throughout to reach its full potential. Please note that the refrigerator, stove, washer, and dryer will be removed before closing. This is a great opportunity for investors or buyers looking to renovate, customize, and add value. A full 3D walk-through is available upon request. PLEASE NOTE - I AM NOT AVAILABLE ON THE SABBATH (Saturday's).

Cost to own

Mortgage calculator

Home Price

$77,500

Down Payment: 20%

$15,500

Interest Rate: 6.67%

Loan Term

Monthly Payment

$399

Principal & Interest: $399

Property taxes (est.): $127

Insurance (est.): $52

Estimated Total Monthly

$577

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$399

Property taxesest. at asking price, Duval County$127

Estimated total, before insurance$525/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

Year	Market value	Taxable value	Change
2025	$93,099	$25,000	▲ $5,600
2024	$87,741	$25,000	—
2023	$84,483	$25,000	▲ $12,239
2022	$70,044	$25,000	▲ $5,040
2021	$56,130	$24,031	▲ $5,157
2020	$49,711	$23,355	—

Estimated taxes if purchased at asking price: ~$1,500/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 1963)

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

Solar potential: ~1,669 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

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.