This home is in Jacksonville — a pool home in Jacksonville.
Active·93 days on market
12302 Benton Harbor Drive S
Jacksonville, FL 32225
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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
Jacksonville
One of the few two-story cul-de-sac pool homes in this well-established Jacksonville neighborhood of Harbor Winds, this beautifully 4-bedroom, 3-bath residence combines spacious living, thoughtful updates such as new shutters and windows, pavered backyard, LVP flooring upstair (no carpet throughout), and two renovated bathrooms- plus an exceptional location. Step inside to an inviting floor plan featuring formal living and dining rooms that seamlessly flow into the expansive family room, kitchen, and cozy breakfast nook--creating the perfect gathering space for everyday living and entertaining. The first floor also offers a private guest bedroom and full bath with direct access to the backyard, making it ideal for overnight guests or convenient pool access. Upstairs, you'll find a generous loft that can easily serve as a home office, media room, or play space, along with the spacious primary suite, two additional bedrooms, a full bath, and a conveniently located laundry room.
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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Shingle — year not disclosed (home built 2001)
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: ~1,801 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
Atlantic Beach 18th Street lotabout 5 mi · 40 parking spaces
Closest park or preserve
Theodore Roosevelt Area and Fort Caroline (Timucuan Preserve)about 3 mi · 9.3 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 4 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Dutton Island Park & Preserve – South Kayak Launchabout 3 mi · Pablo Creek
Closest youth league fields
Wynnfield Lakesabout 2 mi · Soccer
Closest grocery store
BJ's Wholesale Clubabout 1 mi · 12200 Atlantic 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard and pool on the south side. Today at this address: sunrise 7:35 AM, sunset 6:45 PM.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,717/yr
Estimated taxes if purchased at asking price: ~$10,300/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
- Jul 23, 2026Listed$525,000
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 $197/sq ft; this home is listed at $222/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12258 Scotts Cove Trail, Jacksonville, FL 32225Listed by KELLER WILLIAMS ST JOHNS | Oct 2026 | $465,500 | $217 | 4/2 | 2,145 | 1 | 0.5 |
| 970 Mineral Creek Drive, Jacksonville, FL 32225Listed by CROSSVIEW REALTY | Sep 2026 | $440,000 | $197 | 4/2 | 2,234 | 48 | 0.5 |
| 318 Candlebark Drive, Jacksonville, FL 32225Listed by SOVEREIGN REAL ESTATE GROUP | Oct 2026 | $342,500 | $193 | 4/2 | 1,778 | 24 | 0.6 |
| 1572 Mt Airy Court, Jacksonville, FL 32225Listed by 7 STAR REALTY, INC. | Oct 2026 | $280,000 | $160 | 3/2 | 1,752 | 31 | 1.1 |
| 12559 Herblore Drive, Jacksonville, FL 32225Listed by WATSON REALTY CORP | Oct 2026 | $380,000 | $194 | 4/2 | 1,956 | 12 | 1.2 |
| 12079 Sunchase Drive, Jacksonville, FL 32246Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $408,500 | $221 | 4/2 | 1,847 | 5 | 1.5 |
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: DORO REALTY, LLC
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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Krista Fracke
Broker Associate
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