12311 Kensington Lakes Drive 3001

Jacksonville, FL 32246

$189,300$172/sqftEst. $1,008/moMLS# 2155851

Beds

Baths

1,100

Sq Ft

1999

Built

—

Garage

Pool

About this home

Jacksonville

Move-in ready and beautifully maintained, this furnished 2br, 2.5ba condo offers peaceful water views & fantastic location within its own gates in the Kensington community. Spacious screened lanai overlooks the lake, creating the perfect place to relax and unwind. Main living area features durable laminate & tile flooring throughout the entire first floor. The kitchen is equipped with SS appliances, granite counters, and an extended breakfast bar, providing both style & functionality. Upstairs, the primary suite has vaulted ceilings, wall-to-wall closet with the pond view. The second bedrooms bath includes convenient dual access to the adjoining bathroom, making it ideal for guests. Includes 1 assigned parking space and benefits from reasonable monthly association fees. Residents enjoy a gate, community pool, and close proximity to schools, shopping, dining, and major conveniences. Vacant and easy to show, Schedule!

Cost to own

Mortgage calculator

Home Price

$189,300

Down Payment: 20%

$37,860

Interest Rate: 6.55%

Loan Term

Monthly Payment

$962

Principal & Interest: $962

Est. Taxes & Insurance: $241

Estimated Total Monthly

$1,203

*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$1,008

Property taxesest. at asking price, Duval County$309

HOAbilled monthly$355

Estimated total, before insurance$1,672/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): $2,989/yr

Estimated taxes if purchased at asking price: ~$3,700/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.

History