This home is in Jacksonville.

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Active

Active·1 day on market

12868 Old St Augustine Road

Jacksonville, FL 32258

$949,000$217/sqftEst. $4,839/moMLS# 2154629

Beds

Baths

4,382

Sq Ft

2008

Built

Garage

Yes

Pool

About this home

Jacksonville

Preferred Lender incentive available of up to $10,000 This home has it ALL including location! Hickory wood and tile floors! vaulted ceilings; built-ins. Custom cabinetry, double built-in ovens, center island with sink, butler's station, desk area. Media room with screen/equipment; wet bar with fridge. Screen-enclosed heated pool and spa, large paver lanai, summer kitchen; vinyl-fenced backyard. 3-car garage; extended driveway for overflow parking and RV/boat storage. whole house generator, home warranty! No HOA/CDD fees! This home is built for all things in mind. The list is endless!

Cost to own

Mortgage calculator

Home Price

$949,000

Down Payment: 20%

$189,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,839

Principal & Interest: $4,839

Property taxes (est.): $1,550

Insurance (est.): $633

Estimated Total Monthly

$7,021

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$4,839

Property taxesest. at asking price, Duval County$1,550

Estimated total, before insurance$6,388/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,023/yr · $919/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	$801,159	$451,342	▼ $1,757
2023	$761,924	$436,595	—
2022	$690,937	$426,777	▲ $8,392
2021	$567,155	$411,254	—
2020	$530,973	$404,879	▲ $21,355

2025 property taxes (current owner): $11,023/yr

Estimated taxes if purchased at asking price: ~$18,600/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 2008)

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

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,667 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

Jul 24, 2026Active$949,000
Jul 9, 2026Listed$949,000

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

Features

Price$949,000

Price / Sq Ft$217

Bedrooms6

Bathrooms4.00

Full Baths4

Square Footage4,382

Acres0.68 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Fenced, Heated, Screen Enclosure

Is WaterfrontNo

Community Information

Address12868 Old St Augustine Road, Jacksonville, FL 32258

Area014-Mandarin

SubdivisionDel Rio

CityJacksonville

CountyDuval

StateFL

Zip Code32258

Lot Size29,620.8 sq ft

Parcel Number1579710000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAttached, Garage, Garage Door Opener, RV Access/Parking

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Freezer, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Multi Units, Zoned

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level

Spa FeaturesIn Ground, Heated