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 Seven Pines, Jacksonville — a home near Atlantic Coast High School.

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Active Under Contract

Active Under Contract·47 days on market·Seven Pines

12197 Tribute Circle

Jacksonville, FL 32224

$1,149,000$369/sqftEst. $5,925/moMLS# 2152124

Beds

Baths

3,113

Sq Ft

2024

Built

Garage

Pool

About this home

Seven Pines

Welcome to this well-appointed home in a prime location, featuring a versatile floor plan and extensive upgrades. The sought-after first-floor owner's suite provides convenience and privacy, while the two-story foyer leads into a spacious living room with soaring ceilings. The kitchen, dining, and living areas are thoughtfully connected, creating an ideal space to live and entertain. Custom window treatments have been installed throughout the home, along with a designer-built entertainment wall featuring custom carpentry and a 72-inch Touchstone electric fireplace. Additional upgrades include black aluminum fencing with multiple access gates, an epoxy-coated garage floor with crack repair and finished vertical surfaces, and a variety of custom finishes. Enjoy relaxing evenings from the front porch, where views of the illuminated park across the street create a Polynesian resort-like atmosphere. Parking is never a concern, with space for up to 9 vehicles between the garage and driveway.

Cost to own

Mortgage calculator

Home Price

$1,149,000

Down Payment: 20%

$229,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$5,925

Principal & Interest: $5,925

Property taxes (est.): $1,876

Insurance (est.): $766

Estimated Total Monthly

$8,567

*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$5,925

Property taxesest. at asking price, Duval County$1,876

HOAbilled annually$8

Estimated total, before insurance$7,809/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,562/yr · $1,213/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: $2,756,400 in October 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$802,787	$590,995	▲ $44,389
2024	$125,000	$125,000	—

2025 property taxes (current owner): $14,562/yr

Estimated taxes if purchased at asking price: ~$22,500/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2024)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from JEA per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

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, 2026Active Under Contract$1,149,000
Jul 24, 2026Price change$1,149,000−$50,000
Jun 25, 2026Listed$1,199,000

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

Features

Price$1,149,000

Price / Sq Ft$369

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,113

Acres0.23 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTwin Lakes Academy

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address12197 Tribute Circle, Jacksonville, FL 32224

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionSeven Pines

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size10,018.8 sq ft

Parcel Number1677402445

ZoningResidential

Amenities

AmenitiesPool, Other, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Playground

UtilitiesElectricity Available, Natural Gas Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingOther, Attached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Other

AppliancesOther, Disposal, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

SecuritySmoke Detector(s), Other