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 Seven Pines, Jacksonville — a home near Atlantic Coast High School.

Pending

Pending·19 days on market·Seven Pines

12091 Reunion Circle

Jacksonville, FL 32224

$1,291,880$345/sqftEst. $6,662/moMLS# 2156356

Beds

Baths

3,749

Sq Ft

2026

Built

Garage

Pool

About this home

Seven Pines

The Baldwin is a 3,749 sq. ft., 5-bedroom, 4-bath two-story home. Main-floor living features an open kitchen, living room, dining area, covered lanai, and master suite retreat with soaking tub and walk-in closet. Upstairs, a large game room and three bedrooms ensure space for everyone.

Cost to own

Mortgage calculator

Home Price

$1,291,880

Down Payment: 20%

$258,376

Interest Rate: 6.69%

Loan Term

Monthly Payment

$6,662

Principal & Interest: $6,662

Property taxes (est.): $2,109

Insurance (est.): $861

Estimated Total Monthly

$9,633

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$6,662

Property taxesest. at asking price, Duval County$2,109

HOAbilled annually$8

Estimated total, before insurance$8,780/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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 21, 2026Listed$1,291,880

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

Features

Price$1,291,880

Price / Sq Ft$345

Bedrooms5

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage3,749

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryTwin Lakes Academy

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address12091 Reunion Circle, Jacksonville, FL 32224

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionSeven Pines

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Dimensions70x120

Parcel Number1677402340

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Microwave, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringTile, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup