This home is in Jacksonville.

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Active Under Contract

Active Under Contract·14 days on market

12221 Pheon Street

Jacksonville, FL 32224

$299,000$229/sqftEst. $1,591/moMLS# 2153451

Beds

Baths

1,308

Sq Ft

1988

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to Buttercup Cottage! This charming 3-bedroom, 2-bath home is as cheerful as its soft yellow exterior and offers the perfect combination of peaceful living and everyday convenience. Tucked away on a private dirt road in the highly desirable 32224 zip code, this hidden gem feels like you're living in the country while still being just minutes from everything Jacksonville has to offer. Spend your weekends at the beaches, enjoy the convenience of UNF, or shop and dine at St. Johns Town Center--all just a short drive away. Situated on an oversized lot, there's plenty of room to spread out. Whether you dream of creating a backyard oasis, planting a garden, parking your boat or RV, or even raising a few backyard chickens, this property gives you the space to make it happen. A matching storage shed provides extra room for tools, hobbies, or outdoor equipment, and there's abundant parking for family and guests.

Cost to own

Mortgage calculator

Home Price

$299,000

Down Payment: 20%

$59,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,520

Principal & Interest: $1,520

Est. Taxes & Insurance: $380

Estimated Total Monthly

$1,900

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,591

Property taxesest. at asking price, Duval County$488

Estimated total, before insurance$2,080/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$226,032	$70,678	—
2024	$203,274	$67,979	—

2025 property taxes (current owner): $1,771/yr

Estimated taxes if purchased at asking price: ~$5,900/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 1988)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History