This home is in Tidewater, Jacksonville — a gated community home in Jacksonville.
Active·52 days on market·Tidewater
12205 Ridge Crossing Way
Jacksonville, FL 32226
About this home
Tidewater
SHORT SALE -Welcome home to this beautiful home situated at the end of a cul-de-sac with pristine views of water. This home features four bedrooms and two full baths, master suite has soaker tub and separate walk in shower, double vanity. The kitchen is large with eat in area. LR has high vaulted ceilings with fireplace. Step outside to a covered lanai perfect for relaxing on cooler evenings. This is a very nice home in a gated community. Just off corridor of 295 and a quick commute to shopping, schools & dining. Not far from the JAX International airport.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $395,975 | $395,975 | ▲ $30,912 |
property taxes (current owner): $8,921/yr
Estimated taxes if purchased at asking price: ~$6,700/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.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2012)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,805 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 homeAs 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 18, 2026Price change$340,000−$10,000
- Jul 24, 2026Price change$350,000−$20,000
- Jul 13, 2026Price change$370,000−$70,000
- Jul 11, 2026Price change$440,000−$25,000
- Jul 10, 2026Price change$465,000−$4,900
- Jul 3, 2026Listed$469,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Tidewater
Tidewater is a neighborhood in Nocatee, FL (Duval County), ZIP 32226.
View all Tidewater homes for sale →Listing Courtesy of: RE/MAX UNLIMITED
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines