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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Tamaya, Jacksonville — a home near Atlantic Coast High School.

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Sold

Sold·Closed Aug 27, 2026·3 days on market·Recent sales in Tamaya·Tamaya

12679 Laurel Bay Drive

Jacksonville, FL 32246

$710,000sold priceListed at $721,000 · 98.5% of asking$367/sqftMLS# 2156290
3
Beds
2
Baths
1,937
Sq Ft
2023
Built
2
Garage
No
Pool

2 more homes for sale in Tamaya →Search Tamaya on the map

FEMA Zone XHOA $17/mo6,098 sqft lotSingle Family Residence1 story

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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,933
Property taxesest. at asking price, Duval County$1,159
HOAbilled annually$17
Estimated total, before insurance$5,109/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$710,000
$142,000
Loan Term
Monthly Payment
$3,933
Principal & Interest: $3,933
Property taxes (est.): $1,159
Insurance (est.): $473
Estimated Total Monthly
$5,565
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,756/yr

Estimated taxes if purchased at asking price: ~$13,900/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

Price & status history

  • Aug 27, 2026Closed$721,000
  • Aug 14, 2026Pending$721,000
  • Jul 27, 2026Active Under Contract$721,000
  • 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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $286/sq ft; this home is listed at $372/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2660 Alexia Circle, Jacksonville, FL 32246Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDESep 2026$535,000$2674/32,0061350.1
12752 Costas Way, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$675,000$3014/32,2461330.3
2171 Cavalry Boulevard, Jacksonville, FL 32246Listed by KELLER WILLIAMS ST JOHNSOct 2026$535,000$2354/22,27460.8
12029 Cavalry Court, Jacksonville, FL 32246Listed by REALTY ONE GROUP ELEVATESep 2026$524,900$2493/22,104420.8
3121 Brettungar Drive, Jacksonville, FL 32246Listed by PURSUIT REAL ESTATE, LLCSep 2026$690,000$3213/32,15220.9
12887 Bentwater Drive, Jacksonville, FL 32246Listed by PONTE VEDRA CLUB REALTY, INC.Sep 2026$420,000$2863/21,469291.1

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

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
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

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

Exterior

Patio / PorchCovered, Patio, Screened
FencingFenced
RoofTile
ConstructionStucco

Additional Information

Date ListedJuly 24, 2026
Days on Market3
HOA Fees$200 / Annually
HOA FrequencyAnnually
Tax Amount$5,755.62
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLUID REALTY, LLC.

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Tamaya

Tamaya is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.

View all Tamaya homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 27, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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