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Active·21 days on market

12667 Senbay Court

Jacksonville, FL 32218

$429,900$196/sqftEst. $2,212/moMLS# 2156736

Beds

Baths

2,190

Sq Ft

2025

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$429,900

Down Payment: 20%

$85,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,212

Principal & Interest: $2,212

Property taxes (est.): $702

Insurance (est.): $287

Estimated Total Monthly

$3,201

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,212

Property taxesest. at asking price, Duval County$702

HOAbilled quarterly$63

Estimated total, before insurance$2,978/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 — 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