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This home is in Jacksonville.

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Pending

Pending·42 days on market

12965 Duval Lake Road

Jacksonville, FL 32218

$285,000$212/sqftEst. $1,467/moMLS# 2153179

Beds

Baths

1,344

Sq Ft

2021

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautifully maintained North Jacksonville retreat, offering privacy, space, and thoughtful upgrades. A solar-powered gate opens to a fully fenced yard with a detached two-car garage and dedicated RV parking. Inside, the home features a bright, inviting living area, clean finishes, and a functional layout perfect for everyday comfort. Outside, mature trees frame the property, creating a peaceful backdrop for outdoor living, storage, or hobbies. With its quiet setting, ample parking, and secure gated entry, this Duval Lake property delivers the ideal blend of country charm and practical convenience--just minutes from shopping, major roadways, and city amenities. All mechanics & roof are 5 years old. Septic was pumped in May 2026. Includes a whole house water filtration system & water softener.

Cost to own

Mortgage calculator

Home Price

$285,000

Down Payment: 20%

$57,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,467

Principal & Interest: $1,467

Property taxes (est.): $465

Insurance (est.): $190

Estimated Total Monthly

$2,122

*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$1,467

Property taxesest. at asking price, Duval County$465

Estimated total, before insurance$1,932/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,919/yr · $160/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

Year	Market value	Taxable value	Change
2025	$206,472	$77,953	▲ $35,218
2024	$173,943	$75,049	▼ $1,179
2023	$166,912	$71,407	—

2025 property taxes (current owner): $1,919/yr

Estimated taxes if purchased at asking price: ~$5,600/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.

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 2021)

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

Solar potential: ~1,027 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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 8, 2026Pending$285,000
Jul 2, 2026Listed$285,000

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

Features

Price$285,000

Price / Sq Ft$212

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,344

Acres0.68 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address12965 Duval Lake Road, Jacksonville, FL 32218

Area091-Garden City/Airport

SubdivisionJohn Broward Grant

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Lot Size29,620.8 sq ft

Parcel Number0196890468

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Detached, Garage, Gated, RV Access/Parking

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity Gate