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 home near Sandalwood High School.

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Active Under Contract

Active Under Contract·45 days on market

12156 Cedar Trace Drive N

Jacksonville, FL 32246

$579,000$279/sqftEst. $2,974/moMLS# 2154101

Beds

Baths

2,078

Sq Ft

2001

Built

Garage

Pool

About this home

Jacksonville

Stunning waterfront brick home just minutes from the beach! Perfectly positioned in a prime location near JTB, I-295, and only 10 minutes to St. Johns Town Center, this beautifully updated home offers serene lake views from the moment you step inside. The fully remodeled kitchen features granite countertops, stainless steel appliances, and abundant cabinetry, while the charming laundry room showcases custom shiplap accents and additional storage cabinets. Enjoy elegant crown molding throughout, updated flooring, remodeled bathrooms, a spacious primary suite, and an oversized secondary bedroom. Major improvements include a new roof and gutters (2021), newer HVAC, and a newer water softener and filtration system. Outside, the home truly shines with a paver driveway and a breathtaking backyard designed for entertaining, complete with a summer kitchen, expansive outdoor living space, fenced yard, and tranquil water views. This is the waterfront lifestyle you've been waiting for!

Cost to own

Mortgage calculator

Home Price

$579,000

Down Payment: 20%

$115,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,974

Principal & Interest: $2,974

Property taxes (est.): $945

Insurance (est.): $386

Estimated Total Monthly

$4,305

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,974

Property taxesest. at asking price, Duval County$945

HOAbilled quarterly$62

Estimated total, before insurance$3,981/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,839/yr · $653/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

Last sold: $525,000 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$449,990	$449,990	—
2023	$438,810	$438,810	—
2022	$389,219	$201,390	—
2021	$265,817	$194,068	—
2020	$244,119	$190,699	—

2025 property taxes (current owner): $7,839/yr

Estimated taxes if purchased at asking price: ~$11,300/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: material not specified — year not disclosed (home built 2001)

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: ~1,783 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