This home is in Jacksonville — a gated community home in Jacksonville.
Active·1 day on market
12205 Ridge Crossing Way
Jacksonville, FL 32226
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
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
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 5 mi · 35 parking spaces
Closest park or preserve
Pumpkin Hill Creek Preserve State Parkabout 3 mi · 7.9 mi of trails
Closest public boat ramp
Palms Fish Camp Public Rampabout 4 mi · St. Johns River - Clapboard Creek
Closest kayak & paddleboard launch
Pumpkin Hill Creek Preserve State Park Canoe / Kayak Launchabout 3 mi · Pumpkin Hill Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 2 mi · Baseball, Football, Softball
Closest grocery store
Publixabout 3 mi · 12541 Yellow Bluff Rd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:37 AM, sunset 6:42 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
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: ~$6,900/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.
History
Price & status history
- Oct 27, 2026Active$350,000
- Oct 25, 2026Withdrawn$350,000
- Oct 19, 2026Active$350,000
- Oct 4, 2026Withdrawn$350,000
- Sep 11, 2026Price change$350,000−$15,000
- Aug 28, 2026Price change$365,000+$25,000
- 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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $216/sq ft; this home is listed at $204/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4934 Shell Creek Trail, Jacksonville, FL 32226Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Apr 2026 | $454,320 | $212 | 4/3 | 2,139 | 101 | 0.3 |
| 5311 Clapboard Cove Court, Jacksonville, FL 32226Listed by MOMENTUM REALTY | Jun 2026 | $470,000 | $254 | 3/2 | 1,854 | 175 | 0.4 |
| 4558 Farmhouse Gate Trail, Jacksonville, FL 32226Listed by ERA ONETEAM REALTY | Apr 2026 | $489,000 | $221 | 4/3 | 2,213 | 47 | 0.7 |
| 12264 Sacha Road, Jacksonville, FL 32226Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $324,232 | $171 | 4/2 | 1,895 | 298 | 1.1 |
| 12520 Itani Way, Jacksonville, FL 32226Listed by NAVY TO NAVY HOMES LLC | Apr 2026 | $345,000 | $194 | 3/2 | 1,777 | 12 | 1.3 |
| 12598 Pine Marsh Way, Jacksonville, FL 32226Listed by FIRST COAST HEROES REAL ESTATE LLC | Jun 2026 | $385,000 | $216 | 3/2 | 1,786 | 19 | 1.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX UNLIMITED
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
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