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 Jacksonville — a pool home in Jacksonville.

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Pending

Pending·47 days on market

12381 Flynn Road

Jacksonville, FL 32223

$699,000$309/sqftEst. $3,597/moMLS# 2153589

Beds

Baths

2,263

Sq Ft

2000

Built

Garage

Yes

Pool

About this home

Jacksonville

Welcome to this exceptional 4-bedroom,3-bathroom home offering 2,263 sq ft of updated living space on a spacious 0.49-acre lot in highly desirable Mandarin with NO HOA fee. Inside, you'll find soaring ceilings, abundant natural light, and an open floor plan designed for both everyday living and entertaining. The kitchen features granite countertops, white cabinetry, stainless steel appliances, and generous prep space. The primary suite is a relaxing retreat with a custom walk-in closet and a spa-style bathroom featuring dual vanities and an oversize walk -in shower. A new roof was installed in 2022 for added peace of mind. Step outside to your private backyard oasis featuring a saltwater pool with a hot tub spa, screened lanai, oversized gazebo, fire pit, and a swing under a mature oak tree perfect for entertaining or quiet relaxation. Offers a large parking area with plenty of space for boat and RV parking. Conveniently located near shopping, dining, parks, and major highways.

Cost to own

Mortgage calculator

Home Price

$699,000

Down Payment: 20%

$139,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,597

Principal & Interest: $3,597

Property taxes (est.): $1,141

Insurance (est.): $466

Estimated Total Monthly

$5,205

*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$3,597

Property taxesest. at asking price, Duval County$1,141

Estimated total, before insurance$4,739/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$476,285	$425,563	—
2024	$531,352	$481,352	▲ $8,560
2023	$516,356	$466,356	▲ $417
2022	$493,490	$493,490	▲ $127,944
2021	$315,364	$222,724	▲ $20,000
2020	$287,045	$218,959	▲ $15,449

Estimated taxes if purchased at asking price: ~$13,700/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: material not specified — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,606 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