This home is in Tidewater, Jacksonville.

Active

Active·2 days on market·Tidewater

12128 Wagon Run Lane

Jacksonville, FL 32226

$915,671$299/sqftEst. $4,669/moMLS# 2156428

Beds

Baths

3,063

Sq Ft

2026

Built

Garage

Pool

About this home

Tidewater

Step into the Egret V: 4 bedrooms, 3 baths, and 3,000+ sq ft of open, elegant living. Gourmet kitchen with island, living and dining areas with natural light, plus a covered lanai for indoor-outdoor enjoyment. Master suite features dual walk-ins and spa bath.

Cost to own

Mortgage calculator

Home Price

$915,671

Down Payment: 20%

$183,134

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,669

Principal & Interest: $4,669

Property taxes (est.): $1,495

Insurance (est.): $610

Estimated Total Monthly

$6,774

*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$4,669

Property taxesest. at asking price, Duval County$1,495

HOAbilled annually$18

Estimated total, before insurance$6,182/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.

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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

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

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

Solar potential: ~1,246 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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