This home is in Jacksonville.

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Active·Listed today

12302 Benton Harbor Drive S

Jacksonville, FL 32225

$525,000$222/sqftEst. $2,677/moMLS# 2156760

Beds

Baths

2,364

Sq Ft

2001

Built

Garage

Yes

Pool

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.

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,677

Principal & Interest: $2,677

Property taxes (est.): $857

Insurance (est.): $350

Estimated Total Monthly

$3,884

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,677

Property taxesest. at asking price, Duval County$857

HOAbilled annually$22

Estimated total, before insurance$3,556/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,717/yr · $310/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 (that applies to the reference bill above too).

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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2001)

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

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 home

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