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 home near Atlantic Coast High School.

1 / 36

Active

Active·9 days on market

12183 Lyons Street

Jacksonville, FL 32224

$318,000$245/sqftEst. $1,621/moMLS# 2156287

Beds

Baths

1,300

Sq Ft

1987

Built

Garage

Pool

About this home

Jacksonville

No-HOA 4-bedroom, 2-bath home in the Sans Pareil neighborhood of Jacksonville, FL 32224, on a quiet dead-end street just 4 miles from Jacksonville Beach. The vaulted great room features two skylights and a wood-burning stone fireplace. The eat-in kitchen offers wood cabinets, Corian countertops, and stainless steel appliances. Laminate and tile flooring, fresh paint, and ceiling fans run throughout. A glass-enclosed rear porch overlooks a wood privacy-fenced backyard with room for a pool. Recent updates include a 2021 roof, 2021 water heater, and 2018 HVAC; septic serviced 2022 and well serviced 2024. A detached garage plus additional parking fits a boat, RV, or work truck. No HOA, no CDD, on well and septic. Minutes to the University of North Florida, St. Johns Town Center, Mayo Clinic, and Publix. Cash, Conventional, FHA, and VA financing welcome. Schedule your showing in Sans Pareil, Jacksonville today.

Cost to own

Mortgage calculator

Home Price

$318,000

Down Payment: 20%

$63,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,621

Principal & Interest: $1,621

Property taxes (est.): $519

Insurance (est.): $212

Estimated Total Monthly

$2,353

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,621

Property taxesest. at asking price, Duval County$519

Estimated total, before insurance$2,141/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,832/yr · $403/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): $4,832/yr

Estimated taxes if purchased at asking price: ~$6,200/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 — 2021 per the listing

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

Likely septic

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: ~1,763 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