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12538 Ash Harbor Drive

Jacksonville, FL 32224

$377,500$299/sqftEst. $1,919/moMLS# 2156457

Beds

Baths

1,264

Sq Ft

1998

Built

Garage

Pool

About this home

Jacksonville

Location, privacy, and potential all come together in this charming Kernan home! Situated on a beautiful wooded lot, this property offers a peaceful backyard retreat complete with a screened lanai and fire pit--perfect for relaxing or entertaining. Inside, you'll find a functional layout with a bonus air-conditioned flex space, ideal for a home office, gym, hobby room, or additional storage. Thoughtful updates, including newer appliances, lighting, select flooring, and fixtures have already been completed. Conveniently located just minutes from the beaches, UNF, Mayo Clinic, St. Johns Town Center, shopping, dining, and major commuter routes, this home offers an exceptional opportunity in one of Jacksonville's most desirable areas. Get in on this investment opportunity before it's gone!

Cost to own

Mortgage calculator

Home Price

$377,500

Down Payment: 20%

$75,500

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,919

Principal & Interest: $1,919

Property taxes (est.): $616

Insurance (est.): $252

Estimated Total Monthly

$2,787

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,919

Property taxesest. at asking price, Duval County$616

HOAbilled semi-annually$20

Estimated total, before insurance$2,555/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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 — 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 — year not disclosed (home built 1998)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,667 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