This home is in Jacksonville.

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12869 Boney Road

Jacksonville, FL 32226

$890,000$290/sqftEst. $4,737/moMLS# 2155616

Beds

Baths

3,066

Sq Ft

2018

Built

—

Garage

Pool

About this home

Jacksonville

Escape to your own 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. Flexibility. This NE Jax gem has it a

Cost to own

Mortgage calculator

Home Price

$890,000

Down Payment: 20%

$178,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,524

Principal & Interest: $4,524

Est. Taxes & Insurance: $1,131

Estimated Total Monthly

$5,655

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$4,737

Property taxesest. at asking price, Duval County$1,453

Estimated total, before insurance$6,190/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

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.

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 2018)

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

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

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