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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Pending

Pending·50 days on market·Wells Creek

13756 Harlowton Avenue

Jacksonville, FL 32256

$440,000$215/sqftEst. $2,264/moMLS# 2152038

Beds

Baths

2,042

Sq Ft

2020

Built

Garage

Pool

About this home

Wells Creek

Beautifully maintained 2020 Sebastian Farmhouse in the highly desirable Wells Creek community! Situated on a deep preserve lot with protected views that can never be built on, this home offers privacy, tranquility, and low-maintenance living in a prime location. The open-concept floor plan features a gourmet kitchen with quartz countertops, stainless steel appliances, a natural gas range, pantry, and spacious living and dining areas perfect for everyday living and entertaining. Step outside to the covered lanai and fully fenced backyard to enjoy peaceful preserve views year-round. Additional upgrades include a premium whole-house water filtration system, reverse osmosis drinking water system and custom water softener. Enjoy a short walk to community amenities and easy access to Nocatee, Durbin Park, Jacksonville's beaches, and historic St. Augustine. With a low HOA, no CDD fees, protected preserve views, and an unbeatable location, this home offers exceptional value.

Cost to own

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,264

Principal & Interest: $2,264

Property taxes (est.): $718

Insurance (est.): $293

Estimated Total Monthly

$3,276

*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$2,264

Property taxesest. at asking price, Duval County$718

HOAbilled quarterly$83

Estimated total, before insurance$3,066/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,437/yr · $536/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: $429,500 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$382,710	$331,988	▲ $10,000
2024	$373,406	$323,406	—
2023	$369,344	$369,344	—
2022	$317,114	$294,248	—
2021	$267,499	$267,499	—
2020	$70,000	$70,000	—

2025 property taxes (current owner): $6,437/yr

Estimated taxes if purchased at asking price: ~$8,600/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: Shingle — year not disclosed (home built 2020)

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

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

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.