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 Bentwater Place, Jacksonville — a waterfront home in Jacksonville.

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Active Under Contract

Active Under Contract·43 days on market·Bentwater Place

12887 Bentwater Drive

Jacksonville, FL 32246

$440,000$300/sqftEst. $2,262/moMLS# 2154733

Beds

Baths

1,469

Sq Ft

1996

Built

Garage

Pool

About this home

Bentwater Place

Welcome home to this adorable 3-bedroom, 2-bath home perfectly situated on a large pond with beautiful water views! Filled with natural light, the open-concept floor plan features vaulted ceilings that create a spacious feel throughout the great room and kitchen, while the split-bedroom layout offers added privacy. The updated kitchen is equipped with newer stainless steel appliances, double oven, beautiful tile backsplash, updated lighting, and plenty of workspace for everyday living and entertaining. Step outside to a large fully fenced backyard overlooking an expansive lake, where you'll enjoy peaceful views and plenty of room to add the pool of your dreams. Whether you're looking for your first home, downsizing, or simply searching for a well-maintained property in a beautiful setting, this home checks all the boxes. Don't miss this must-see opportunity! Ask about our Preferred Membership opportunities at The Ponte Vedra Inn & Club and The Lodge & Club.

Cost to own

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,262

Principal & Interest: $2,262

Property taxes (est.): $718

Insurance (est.): $293

Estimated Total Monthly

$3,274

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,262

Property taxesest. at asking price, Duval County$718

HOAbilled annually$29

Estimated total, before insurance$3,010/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,826/yr · $319/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	$308,529	$179,878	—
2023	$303,982	$173,183	—
2022	$281,965	$166,683	—

2025 property taxes (current owner): $3,826/yr

Estimated taxes if purchased at asking price: ~$8,600/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.

Hurricane evacuation zone E

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

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: ~1,801 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, 2026Active Under Contract$440,000
Jul 16, 2026Active$440,000
Jul 10, 2026Listed$440,000

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

Features

Price$440,000

Price / Sq Ft$300

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,469

Acres0.53 acres

Year Built1996

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address12887 Bentwater Drive, Jacksonville, FL 32246

Area025-Intracoastal West-North Of Beach Blvd

SubdivisionBentwater Place

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size23,086.8 sq ft

Parcel Number1652831200

Amenities

AmenitiesPark, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Off Street

ViewPond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringVinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1