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

This home is in Wells Creek, Jacksonville.

Active

Active·97 days on market·Wells Creek

12084 Calvesta Street

Jacksonville, FL 32256

$190,000$129/sqftEst. $1,044/mo mortgageMLS# 2156559
↓ $60,000 below original list
3
Beds
2.5
Baths
1,472
Sq Ft
2021
Built
1
Garage
No
Pool

28 more homes for sale in Wells Creek →Search Wells Creek on the map

FEMA Zone XHOA $183/mo2,178 sqft lotTownhouse2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Wells Creek

''SHORT SALE!! SHORT SALE!! Seller accepting CASH and Conventional financing ONLY!! Needs TLC. Bankruptcy short sale will take about 120 days to get response on offer from lien holders. 2 story, 3 bedroom , 2.5 bath with a 1 car garage.

Next steps in Wells Creek

FollowNew Wells Creek homes the day they list · free, no account

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$1,044
Property taxesest. at asking price, Duval County$310
HOAbilled quarterly$183
Estimated total, before insurance$1,537/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,682/yr · $390/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$190,000
$38,000
Loan Term
Monthly Payment
$1,044
Principal & Interest: $1,044
Property taxes (est.): $310
Insurance (est.): $127
Estimated Total Monthly
$1,481
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — year not disclosed (home built 2021)

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

Solar potential: ~1,742 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,682/yr

Estimated taxes if purchased at asking price: ~$3,700/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

  • Oct 16, 2026Price change$190,000−$30,000
  • Sep 17, 2026Price change$220,000−$30,000
  • Jul 22, 2026Listed$250,000

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 $215/sq ft; this home is listed at $129/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12068 Calvesta Street, Jacksonville, FL 32256Listed by COLDWELL BANKER VANGUARD REALTYMay 2026$316,000$2153/2.51,472880
12031 Calvesta Street, Jacksonville, FL 32256Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$305,500$2083/2.51,472130.1
12016 Calvesta Street, Jacksonville, FL 32256Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTMay 2026$300,000$2043/2.51,47280.1
13943 Molina Drive, Jacksonville, FL 32256Listed by WATSON REALTY CORPAug 2026$280,000$2182/2.51,2862170.6
14033 Molina Drive, Jacksonville, FL 32256Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$315,000$2143/2.51,472340.7
14003 Molina Drive, Jacksonville, FL 32256Listed by FRESH START REALTYMay 2026$339,900$2243/2.51,519400.7

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$190,000
Price / Sq Ft$129
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,472
Acres0.05 acres
Year Built2021
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address12084 Calvesta Street, Jacksonville, FL 32256
Area028-Bayard
SubdivisionWells Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Lot Size2,178 sq ft
Parcel Number1681243905

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

AppliancesNone
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo

Exterior

Patio / PorchCovered, Rear Porch

Additional Information

Date ListedJuly 22, 2026
Days on Market97
HOA Fees$548 / Quarterly
HOA FrequencyQuarterly
Tax Amount$4,682.49
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: 7 STAR REALTY, INC.

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 Wells Creek

Wells Creek is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.

View all Wells Creek homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines