This home is in Jacksonville.
Sold·Closed Sep 15, 2026·17 days on market·Recent sales in Jacksonville
12538 Ash Harbor Drive
Jacksonville, FL 32224
About this home
Jacksonville
Stunning NEW white oak LVP installed in primary, ensuite and closet 8/6/26! 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 great opportunity before it's gone!
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 — 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Sea Walk Pavillion Iiabout 6 mi · 204 parking spaces
Closest park or preserve
Dutton Island Preserveabout 6 mi · 1.2 mi of trails
Closest public boat ramp
Pottsburg Creek Public Boat Rampabout 5 mi · Pottsburg Creek
Closest kayak & paddleboard launch
Castaway Island Preserve Kayak Dockabout 4 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Huffman Boulevard Parkabout 2 mi · Soccer
Closest grocery store
Publixabout 0.9 mi · 12620 Beach Blvd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
History
Price & status history
- Sep 15, 2026Closed$377,500
- Aug 7, 2026Active Under Contract$377,500
- Jul 21, 2026Listed$377,500
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 $254/sq ft; this home is listed at $299/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12527 Ash Harbor Drive, Jacksonville, FL 32224Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $364,000 | $242 | 3/2 | 1,502 | 28 | 0 |
| 12606 Ashglen Drive S, Jacksonville, FL 32224Listed by COASTAL HOMES AND LAND LLC | Sep 2026 | $417,900 | $258 | 4/2 | 1,618 | 17 | 0.1 |
| 12290 Cobblefield Circle N, Jacksonville, FL 32224Listed by EXP REALTY LLC | Jun 2026 | $345,000 | $238 | 3/2 | 1,449 | 120 | 0.3 |
| 4497 Cobblefield Circle W, Jacksonville, FL 32224Listed by BACHMANN HOMES REALTY, LLC | Sep 2026 | $343,000 | $306 | 3/2 | 1,122 | 66 | 0.4 |
| 12158 Lyons Street, Jacksonville, FL 32224Listed by LANTERN REALTY, LLC. | Jun 2026 | $279,900 | $254 | 3/2 | 1,102 | 3 | 0.5 |
| 12174 Ripken Circle N, Jacksonville, FL 32224Listed by BERRY & CO. REAL ESTATE | Jun 2026 | $410,000 | $254 | 3/2 | 1,617 | 2 | 0.5 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CASTILLO REAL ESTATE JAX
Sold by: ONE SOTHEBY'S INTERNATIONAL REALTY (buyer's brokerage)
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 15, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines