Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a gated community home in Jacksonville.

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Pending

Pending·27 days on market

12311 Kensington Lakes Drive 3001

Jacksonville, FL 32246

$189,300$172/sqftEst. $974/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: 6.67%

Loan Term

Monthly Payment

$974

Principal & Interest: $974

Property taxes (est.): $309

Insurance (est.): $126

Estimated Total Monthly

$1,409

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.67% · 30yr$974

Property taxesest. at asking price, Duval County$309

HOAbilled monthly$355

Estimated total, before insurance$1,638/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,989/yr · $249/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).

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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1999)

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

Likely sewer · part of complex with utility sewer · Public water · part of complex with utility water

County records indicate this parcel on central sewer served by part of complex with utility sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,818 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.

History