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

This home is in Jacksonville.

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Active·79 days on market

12667 Senbay Court

Jacksonville, FL 32218

$424,900$194/sqftEst. $2,354/moMLS# 2156736
↓ $5,000 below original list
4
Beds
3
Baths
2,190
Sq Ft
2025
Built
3
Garage
No
Pool
FEMA Zone XHOA $63/moSingle Family Residence1 story

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

About this home

Jacksonville

Welcome to 12667 Senbay Court, built in 2025. This exceptional 4-bedroom, 3-bathroom home offers 2,181 square feet of beautifully designed living space and features a highly desirable 3-car garage - a rare find that provides plenty of room for vehicles, storage, hobbies, or a home gym. Although the seller is relocating to be close to work, shortly after purchasing this beautiful home, their investment becomes your opportunity. Rather than waiting for months for new construction and spending thousands on upgrades, you can move right into a home where the work has already been done. The backyard has been fully enclosed with a vinyl privacy fence, creating the perfect outdoor space for entertaining pets, or relaxing in your own private retreat. Inside, you'll find a spacious open-concept floor plan enhanced with thoughtful, high-end upgrades throughout.

Next steps in Jacksonville

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,354
Property taxesest. at asking price, Duval County$694
HOAbilled quarterly$63
Estimated total, before insurance$3,111/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$424,900
$84,980
Loan Term
Monthly Payment
$2,354
Principal & Interest: $2,354
Property taxes (est.): $694
Insurance (est.): $283
Estimated Total Monthly
$3,331
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 2025)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,507 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 August 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

Price & status history

  • Oct 5, 2026Price change$424,900−$5,000
  • Jul 23, 2026Listed$429,900

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 $177/sq ft; this home is listed at $194/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12710 Fabius Way, Jacksonville, FL 32218Listed by MERITAGE HOMES OF FLORIDA REALTYOct 2026$429,990$1544/32,787880.1
12705 Fabius Way, Jacksonville, FL 32218Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$425,990$1714/32,486210.1
12740 Fabius Way, Jacksonville, FL 32218Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$439,990$1774/32,486340.1
3035 Harden Drive, Jacksonville, FL 32218Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$419,990$1694/32,486950.2
3011 Harden Drive, Jacksonville, FL 32218Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$394,990$1814/2.52,1811320.2
3047 Harden Drive, Jacksonville, FL 32218Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$390,000$1794/2.52,181510.2

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$424,900
Price / Sq Ft$194
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,190
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

Community Information

Address12667 Senbay Court, Jacksonville, FL 32218
Area091-Garden City/Airport
SubdivisionAzalea Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Parcel Number83185331N26E

Amenities

UtilitiesElectricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage Door Opener

Interior

Interior FeaturesBuilt-in Features, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Refrigerator
HeatingCentral, Electric
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne

Exterior

Lot DescriptionCleared, Cul-De-Sac
Patio / PorchCovered, Rear Porch
FencingVinyl
ConstructionOther
Road SurfaceAsphalt

Additional Information

Date ListedJuly 23, 2026
Days on Market84
HOA Fees$190 / Quarterly
HOA FrequencyQuarterly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DASH REAL ESTATE COMPANY

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.

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.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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