Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville Beach — a new construction home in Jacksonville.

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Active

Active·1 day on market

1230 12th Street N

Jacksonville Beach, FL 32250

$1,290,000$511/sqftEst. $6,577/moMLS# 2157816

Beds

Baths

2,525

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville Beach

Be the First to See It! Experience coastal luxury before completion. This exceptional new construction home showcases a stunning chef's kitchen with designer-selected finishes, premium appliances, statement lighting, spa-inspired baths, and thoughtfully curated details throughout. Photos and staging have been digitally enhanced to depict the completed home by removing temporary construction materials and illustrating final features. Estimated completion Aug 2026.

Cost to own

Mortgage calculator

Home Price

$1,290,000

Down Payment: 20%

$258,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$6,577

Principal & Interest: $6,577

Property taxes (est.): $2,106

Insurance (est.): $860

Estimated Total Monthly

$9,544

*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$6,577

Property taxesest. at asking price, Duval County$2,106

Estimated total, before insurance$8,684/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Metal, Shingle — year not disclosed (home built 2026)

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

Sewer · FL0020231 - City of Jacksonville Beach · Public water (record)

County records show this parcel on central sewer served by FL0020231 - City of Jacksonville Beach — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,498 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

History

Price & status history

Jul 30, 2026Listed$1,290,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,290,000

Price / Sq Ft$511

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,525

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesEast

Community Information

Address1230 12th Street N, Jacksonville Beach, FL 32250

Area213-Jacksonville Beach-NW

SubdivisionJacksonville Beach

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Parcel Number1790160020

Amenities

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Off Street

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Gas Oven

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo