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Active

Active·44 days on market

12306 Forest Gate Drive S

Jacksonville, FL 32246

$480,000$206/sqftEst. $2,470/moMLS# 2153931

Beds

Baths

2,326

Sq Ft

1996

Built

Garage

Pool

About this home

Jacksonville

OPEN HOUSE 8/22 AND 8/23; 11-1 **NEW ROOF!! New Carpet!** Move right in and enjoy all the comfort, convenience, and lifestyle that Kensington has to offer! Lovingly maintained by the same owners for more than 25 years, this 4-bedroom 2-bathroom brick home offers the ease of first floor living in one of Jacksonville's most established and amenity-rich communities. Fresh interior paint and numerous recent improvements make this home move-in ready. The kitchen features an upgraded Samsung refrigerator/freezer, solid-surface countertops, abundant cabinetry, and a sunny breakfast area. Custom built-ins add warmth, character, and everyday functionality. The large sunroom provides an additional area for relaxing or entertaining. New water heater installed in 2025. Home has upgraded hurricane-impact windows.

Cost to own

Mortgage calculator

Home Price

$480,000

Down Payment: 20%

$96,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,470

Principal & Interest: $2,470

Property taxes (est.): $784

Insurance (est.): $320

Estimated Total Monthly

$3,574

*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$2,470

Property taxesest. at asking price, Duval County$784

HOAbilled annually$73

Estimated total, before insurance$3,326/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,369/yr · $281/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
2024	$381,793	$154,835	—
2023	$395,779	$148,869	—
2022	$362,374	$143,077	—
2021	$273,133	$137,454	—
2020	$240,711	$134,866	—

2025 property taxes (current owner): $3,369/yr

Estimated taxes if purchased at asking price: ~$9,400/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 (2024), 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 1996)

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: ~1,756 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

Price & status history

Aug 17, 2026Price change$480,000−$20,000
Jul 6, 2026Listed$500,000

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

Features

Price$480,000

Price / Sq Ft$206

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,326

Total Structure Area2,533 sq ft

Acres0.30 acres

Year Built1996

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address12306 Forest Gate Drive S, Jacksonville, FL 32246

Area025-Intracoastal West-North Of Beach Blvd

SubdivisionSomerset At Kensingt

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size13,068 sq ft

Parcel Number1652661405

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit