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This home is in River Oaks, Jacksonville — a pool home in Jacksonville.

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Active

Active·45 days on market·River Oaks

12008 Rising Oaks Drive

Jacksonville, FL 32223

$639,500$264/sqftEst. $3,284/moMLS# 2154689

Beds

Baths

2,421

Sq Ft

2000

Built

Garage

Yes

Pool

About this home

River Oaks

Welcome to this beautifully updated pool home (salt water) in the sought-after River Oaks community in the heart of Mandarin. Offering 4 bedrooms, 2.5 bathrooms, and over 2,400 square feet, this home blends timeless charm with modern updates. The remodeled kitchen features custom cabinetry, stone countertops, abundant workspace, and opens to the living and dining areas, perfect for everyday living and entertaining. The spacious first-floor primary suite offers a private retreat, while three additional bedrooms upstairs provide flexibility for family, guests, or a home office. Step outside to your private backyard oasis with a sparkling saltwater pool, ideal for relaxing or hosting friends and family. Conveniently located near shopping, dining, parks, and major commuter routes, this move-in-ready home offers the lifestyle buyers have been searching for.. The possibilities are endless in making this house your home!

Cost to own

Mortgage calculator

Home Price

$639,500

Down Payment: 20%

$127,900

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,284

Principal & Interest: $3,284

Property taxes (est.): $1,044

Insurance (est.): $426

Estimated Total Monthly

$4,755

*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$3,284

Property taxesest. at asking price, Duval County$1,044

HOAbilled annually$34

Estimated total, before insurance$4,363/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,887/yr · $657/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: $600,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$457,219	$402,219	▼ $716
2023	$470,768	$415,768	▲ $81,337
2022	$374,203	$0	—
2021	$319,429	$0	—
2020	$291,445	$207,136	—

2025 property taxes (current owner): $7,887/yr

Estimated taxes if purchased at asking price: ~$12,500/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: Shingle — year not disclosed (home built 2000)

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: ~1,561 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 31, 2026Price change$639,500−$9,500
Jul 9, 2026Listed$649,000

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

Features

Price$639,500

Price / Sq Ft$264

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,421

Acres0.37 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontNo

Community Information

Address12008 Rising Oaks Drive, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionRiver Oaks

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size16,117.2 sq ft

Parcel Number1059645420

Amenities

UtilitiesElectricity Connected, Electricity Not Available, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

SecuritySmoke Detector(s)