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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in The Wilderness, Jacksonville — a home near Mandarin High School.

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Active

Active·91 days on market·The Wilderness

12186 Travertine Trail

Jacksonville, FL 32223

$584,900$244/sqftEst. $3,240/moMLS# 2155120
↓ $15,000 below original list
4
Beds
2.5
Baths
2,402
Sq Ft
1986
Built
2
Garage
Yes
Pool

4 more homes for sale in The Wilderness →Search The Wilderness on the map

FEMA Zone XNo HOA0.47 acresSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

The Wilderness

Welcome to this stunning 4-bedroom, 2.5-bath home nestled in the highly desirable heart of Mandarin. Perfectly situated on a spacious 0.47-acre corner lot, this property offers ultimate freedom with absolutely no HOA or CDD fees. The expansive grounds provide ample room for boat or RV storage, making it a dream come true for those who want space, convenience, and fewer restrictions. Step outside and enjoy your own private retreat featuring a beautiful in-ground pool surrounded by a pavered deck, outdoor kitchen, and firepit --perfect for relaxing or entertaining. A rare opportunity in one of Jacksonville's most sought-after areas, convenient to St Johns River, and other popular waterways, downtown, top rated schools,shopping and great restaurants. Your exceptional lifestyle awaits! ***************** Roof 2024 HVAC 2024 New pool pump

Next steps in The Wilderness

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,240
Property taxesest. at asking price, Duval County$955
Estimated total, before insurance$4,195/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,707/yr · $642/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$584,900
$116,980
Loan Term
Monthly Payment
$3,240
Principal & Interest: $3,240
Property taxes (est.): $955
Insurance (est.): $390
Estimated Total Monthly
$4,585
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,656 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2024$320,167$164,502▼ $695
2023$326,697$158,255—
2022$313,671$152,190—
2021$255,800$146,301—
2020$228,815$143,591▲ $8,699

2025 property taxes (current owner): $7,707/yr

Estimated taxes if purchased at asking price: ~$11,500/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.

History

Price & status history

  • Jul 30, 2026Price change$584,900−$15,000
  • Jul 13, 2026Listed$599,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $229/sq ft; this home is listed at $244/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12129 Cattail Drive W, Jacksonville, FL 32223Listed by DOUGLAS ELLIMAN FLORIDAOct 2026$730,000$2904/32,519810.3
12340 Macaw Drive, Jacksonville, FL 32223Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$394,100$2213/21,78230.4
3745 Dogwood Hill Terrace, Jacksonville, FL 32223Listed by NEXT MOVE ATLANTIC COASTSep 2026$507,000$2294/32,21080.6
3250 Tea Rose Drive, Jacksonville, FL 32223Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEOct 2026$392,000$1824/32,157780.8
3752 Helicon Drive, Jacksonville, FL 32223Listed by MOMENTUM REALTYAug 2026$520,000$2303/22,26230.8
12511 Westberry Hideaway Lane, Jacksonville, FL 32223Listed by REALTY ONE GROUP ELEVATEAug 2026$415,000$2173/21,910810.9

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$584,900
Price / Sq Ft$244
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,402
Total Structure Area2,775 sq ft
Acres0.47 acres
Year Built1986
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Fenced
Is WaterfrontNo

School Information

ElementaryLoretto
MiddleMandarin

Community Information

Address12186 Travertine Trail, Jacksonville, FL 32223
Area014-Mandarin
SubdivisionThe Wilderness
CityJacksonville
CountyDuval
StateFL
Zip Code32223
Lot Size20,473.2 sq ft
Parcel Number1581361602
ZoningPUD

Amenities

UtilitiesCable Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyInsulation
ParkingAdditional Parking, Attached, Garage, Garage Door Opener, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesFire Pit
Lot DescriptionCorner Lot
Patio / PorchCovered, Front Porch, Rear Porch
FencingBack Yard, Privacy, Vinyl
RoofShingle
ConstructionBrick Veneer, Wood Siding
Other StructuresShed(s)
Road SurfaceAsphalt, Paved
Road FrontageCity Street

Additional Information

Date ListedJuly 13, 2026
Days on Market63
Tax Amount$7,707.06
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About The Wilderness

The Wilderness is a neighborhood in Mandarin, FL (Duval County), ZIP 32223.

View all The Wilderness homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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