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This home is in Jacksonville — a gated community home in Jacksonville.

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Active

Active·46 days on market

12129 Cattail Drive W

Jacksonville, FL 32223

$738,000$293/sqftEst. $3,806/moMLS# 2151843

Beds

Baths

2,519

Sq Ft

1989

Built

Garage

Yes

Pool

About this home

Jacksonville

Located behind the gates of Cormorant Landing, this beautifully renovated lakefront home offers the rare combination of a premium waterfront setting and extensive recent improvements. Unlike many of the community's original homes, this home has already undergone a full renovation, including a redesigned kitchen and baths (2025), all-new appliances (2025), updated flooring, lighting, fixtures, smooth ceilings, and interior improvements, plus a new roof and gutters (2026). The open-concept floor plan flows seamlessly to the outdoor living area, where a sparkling saltwater pool overlooks peaceful lake views. Pool equipment, lighting, irrigation, and smart home systems were updated in 2025, providing modern convenience and peace of mind. Move-in ready and beautifully updated, this is a rare opportunity to enjoy lakefront living without the expense, time, and disruption of a major renovation.

Cost to own

Mortgage calculator

Home Price

$738,000

Down Payment: 20%

$147,600

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,806

Principal & Interest: $3,806

Property taxes (est.): $1,205

Insurance (est.): $492

Estimated Total Monthly

$5,503

*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$3,806

Property taxesest. at asking price, Duval County$1,205

HOAbilled monthly$225

Estimated total, before insurance$5,236/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,454/yr · $538/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: $520,000 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$501,186	$333,978	—
2024	$461,304	$323,859	▼ $696
2023	$458,510	$312,970	—
2022	$398,140	$231,156	▲ $27,581
2021	$317,781	$222,967	—
2020	$294,293	$219,199	—

2025 property taxes (current owner): $6,454/yr

Estimated taxes if purchased at asking price: ~$14,500/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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1989)

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: ~1,696 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

Jul 27, 2026Active$738,000
Jul 19, 2026Active Under Contract$738,000
Jun 23, 2026Listed$738,000

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

Features

Price$738,000

Price / Sq Ft$293

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,519

Acres0.61 acres

Year Built1989

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontYes

Direction FacesWest

School Information

ElementaryLoretto

MiddleMandarin

HighMandarin

Community Information

Address12129 Cattail Drive W, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionCormorant Landing

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size26,571.6 sq ft

Parcel Number1581365100

ZoningSingle Family

Amenities

AmenitiesTennis Court(s)

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewLake

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Electric Range, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

Security24 Hour Security, Gated with Guard