This home is in Jacksonville.

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12301 Kernan Forest Boulevard 2402

Jacksonville, FL 32225

$236,900$155/sqftEst. $1,261/moMLS# 2155333

Beds

Baths

1,530

Sq Ft

2005

Built

Garage

Pool

About this home

Jacksonville

This immaculate, move-in-ready end-unit condominium is flooded with natural light and located in a prime gated community just minutes from I-295, UNF, Mayport, and the beaches. The spacious open floor plan flows seamlessly into a private primary suite, which boasts dual vanities, a separate shower, a massive walk-in closet, and exclusive access to an oversized balcony. Freshly updated throughout, the home features brand-new flooring, a modern kitchen with new stainless-steel appliances, and a crisp, clean coat of paint. Combining modern luxury with a maintenance-free lifestyle, this pristine property sits just steps from the community pool and offers the ultimate in convenience and comfort.

Cost to own

Mortgage calculator

Home Price

$236,900

Down Payment: 20%

$47,380

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,197

Principal & Interest: $1,197

Est. Taxes & Insurance: $299

Estimated Total Monthly

$1,496

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,261

Property taxesest. at asking price, Duval County$387

HOAbilled annually$44

Estimated total, before insurance$1,691/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,706/yr

Estimated taxes if purchased at asking price: ~$4,600/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2005)

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

Solar potential: ~1,779 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History