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12435 Sherman Court

Jacksonville, FL 32225

$400,000$240/sqftEst. $2,033/moMLS# 2156189

Beds

Baths

1,669

Sq Ft

2004

Built

Garage

Pool

About this home

Jacksonville

Tucked away on a quiet cul-de-sac with wooded views behind the home and across the street, this move-in ready home offers the perfect blend of privacy, updates, and location. You'll love the open floor plan, split-bedroom layout, and spacious kitchen with stainless steel appliances, ample cabinetry, and a deep-bowl sink overlooking the main living area. Major improvements have already been completed with a new roof (2024) and new HVAC (2025), giving buyers peace of mind. The owner's suite features dual vanities, a garden tub, separate shower, and oversized walk-in closet, while the fenced backyard and oversized patio create the perfect space to relax or entertain. Just minutes from shopping, restaurants, downtown, and the beaches, this home truly checks all the boxes. Don't miss your chance to make it yours!

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,033

Principal & Interest: $2,033

Property taxes (est.): $653

Insurance (est.): $267

Estimated Total Monthly

$2,953

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,033

Property taxesest. at asking price, Duval County$653

HOAbilled annually$29

Estimated total, before insurance$2,715/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): $3,914/yr

Estimated taxes if purchased at asking price: ~$7,800/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Shingle — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,758 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

Price & status history

Jul 23, 2026Active$400,000
Jul 20, 2026Listed$400,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$400,000

Price / Sq Ft$240

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,669

Acres0.15 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

Community Information

Address12435 Sherman Court, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionCollinswood

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size6,534 sq ft

Parcel Number1621101530

ZoningResidential

Amenities

AmenitiesPlayground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup