This home is in Jacksonville.
Active·94 days on market
12869 Boney Road
Jacksonville, FL 32226
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Welcome home to your private oasis with this pristine 4-bedroom, 3-bath estate nestled on almost 5 acres in the serene countryside of North Jacksonville, near Pumpkin Hill Creek Preserve State Park. Bring your boats, RVs, chickens, and horses. This nearly new home was custom built with a thoughtful floor plan and upgrades. Enter through the new screened-in front porch to spacious main living and dining areas. The gourmet kitchen features stainless steel appliances and plenty of granite countertop space ideal for cooking and entertaining. In addition to the bedrooms, a versatile flex space adds even more potential-perfect for a playroom, media room, gym, or studio tailored to your lifestyle. Located just minutes from shopping, dining, and the conveniences of city life, yet tucked away in a tranquil setting, this is a rare opportunity to own a slice of country paradise without sacrificing accessibility. Luxury. Privacy. Space. The best value for a home with land in Jacksonville, FL
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public 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: ~1,656 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 5 mi · 35 parking spaces
Closest park or preserve
Pumpkin Hill Creek Preserve State Parkabout 2 mi · 7.9 mi of trails
Closest public boat ramp
Timucuan Eco & Historic Preserve – Cedar Point Boat Rampabout 4 mi · Sisters Creek / Horseshoe Creek
Closest kayak & paddleboard launch
Pumpkin Hill Creek Preserve State Park Canoe / Kayak Launchabout 3 mi · Pumpkin Hill Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 2 mi · Baseball, Football, Softball
Closest grocery store
Publixabout 3 mi · 12541 Yellow Bluff Rd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $362,614 | $319,025 | — |
| 2025 | $706,337 | $305,056 | — |
| 2024 | $361,642 | $290,023 | — |
| 2024 | $667,591 | $280,694 | — |
| 2023 | $402,769 | $263,657 | — |
| 2023 | $504,564 | $270,771 | — |
| 2022 | $270,309 | $239,688 | — |
| 2022 | $595,562 | $265,637 | ▲ $51,112 |
| 2021 | $227,722 | $217,898 | — |
| 2021 | $478,083 | $256,284 | ▲ $9,940 |
| 2020 | $198,089 | $198,089 | — |
| 2020 | $442,377 | $252,480 | — |
2024 property taxes (current owner): $5,415/yr
Estimated taxes if purchased at asking price: ~$17,400/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 (2025), NEFMLS.
History
Price & status history
- Jul 16, 2026Listed$890,000
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 $248/sq ft; this home is listed at $290/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5814 Candelore Court, Jacksonville, FL 32226Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Sep 2026 | $611,611 | $226 | 3/3.5 | 2,712 | 0 | 0.4 |
| 5354 Clapboard Creek Drive, Jacksonville, FL 32226Listed by WATSON REALTY CORP | Apr 2026 | $445,000 | $184 | 4/3 | 2,415 | 38 | 0.6 |
| 12138 Barn Owl Court, Jacksonville, FL 32226Listed by ICI SELECT REALTY, INC. | Feb 2026 | $853,598 | $278 | 4/3 | 3,067 | 0 | 0.6 |
| 5340 Clapboard Cove Court, Jacksonville, FL 32226Listed by ALFA REALTORS CORP | Oct 2026 | $639,000 | $163 | 5/3.5 | 3,931 | 85 | 0.8 |
| 5261 Ostrich Court, Jacksonville, FL 32226Listed by ERA ONETEAM REALTY | Sep 2026 | $764,000 | $248 | 4/3 | 3,084 | 101 | 0.8 |
| 5275 Clapboard Cove Court, Jacksonville, FL 32226Listed by ICI SELECT REALTY, INC. | Jun 2026 | $700,000 | $276 | 4/3 | 2,537 | 236 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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.
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Krista Fracke
Broker Associate
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