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 waterfront home in Jacksonville.

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Active

Active·36 days on market

12577 Russian Olive Road

Jacksonville, FL 32218

$305,000$189/sqftEst. $1,570/moMLS# 2154492

Beds

Baths

1,618

Sq Ft

2023

Built

Garage

Pool

About this home

Jacksonville

Offering $2,500 towards Closing Cost! Don't Wait For New Construction Move In Now! Welcome to this meticulously maintained waterfront home packed with thoughtful upgrades throughout. The Vivint smart security system with cameras, window sensors, and interior motion detection keeps your family protected from day one. Enjoy pure alkaline water with the reverse osmosis system and whole home softened water via Puronics with a lifetime transferable warranty. The kitchen features a statement chandelier over the island flowing into a bright dining space. Ceiling fans throughout, a smart AC controller, and a recently serviced AC system with freon charge keeps you comfortable year round. Step outside to your waterfront backyard with a 5x15 concrete pad and a 10x13 lit gazebo perfect for weekend cookouts and entertaining. Two car garage plus four car driveway. Full flooring throughout. And with a 7 year transferable warranty on mechanical, plumbing, and electrical this home is truly move in rea

Cost to own

Mortgage calculator

Home Price

$305,000

Down Payment: 20%

$61,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,570

Principal & Interest: $1,570

Property taxes (est.): $498

Insurance (est.): $203

Estimated Total Monthly

$2,271

*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$1,570

Property taxesest. at asking price, Duval County$498

HOAbilled quarterly$9

Estimated total, before insurance$2,077/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,569/yr · $297/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: $286,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$235,883	$185,883	▲ $8,848
2023	$50,000	$50,000	—

2025 property taxes (current owner): $3,569/yr

Estimated taxes if purchased at asking price: ~$6,000/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — year not disclosed (home built 2023)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

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