This home is in Tamaya, Jacksonville.

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Active

Active·Listed today·Tamaya

12679 Laurel Bay Drive

Jacksonville, FL 32246

$721,000$372/sqftEst. $3,676/moMLS# 2156290

Beds

Baths

1,937

Sq Ft

2023

Built

Garage

Pool

About this home

Tamaya

Seller has paid off the CDD bond! Only the yearly maintenance fee remains! Welcome home to this exquisite 3-bedroom, 2-bathroom residence in desirable Tamaya. The central living room showcases the brilliance of an open floor plan, anchoring a gourmet kitchen with an island, storage pantry, and cozy dining café. Tucked in the rear for ultimate privacy, the master suite features a custom walk-in closet and a luxurious bath with an enclosed shower, soak tub, and double sinks. Thoughtful upgrades include custom Bali blinds, master closet built-ins, and a whole-house water softener. Relax on the oversized, paved, full-view screened lanai overlooking a fully fenced yard with mature trees behind for privacy and shade. Plus, enjoy whole-house gutters and an industrial garage floor coating. Residents enjoy resort amenities: clubhouse, pool, fitness center, and walking trails. Schedule your tour today!

Cost to own

Mortgage calculator

Home Price

$721,000

Down Payment: 20%

$144,200

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,676

Principal & Interest: $3,676

Property taxes (est.): $1,177

Insurance (est.): $481

Estimated Total Monthly

$5,334

*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$3,676

Property taxesest. at asking price, Duval County$1,177

HOAbilled annually$17

Estimated total, before insurance$4,870/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,756/yr · $480/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): $5,756/yr

Estimated taxes if purchased at asking price: ~$14,100/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: Tile — year not disclosed (home built 2023)

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

Solar potential: ~1,784 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 24, 2026Active$721,000
Jul 19, 2026Listed$721,000

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

Features

Price$721,000

Price / Sq Ft$372

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,937

Total Structure Area1,937 sq ft

Acres0.14 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleSpanish

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryKernan Trail

MiddleKernan

HighAtlantic Coast

Community Information

Address12679 Laurel Bay Drive, Jacksonville, FL 32246

Area025-Intracoastal West-North Of Beach Blvd

SubdivisionIsabella At Tamaya

CityJacksonville

CountyDuval

StateFL

Zip Code32246

Lot Size6,098.4 sq ft

Parcel Number1652820960

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Playground

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom - Tub with Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Oven, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

SecurityGated with Guard