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This home is in Jacksonville Golf & CC, Jacksonville — a gated community home in Jacksonville.

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Active

Active·3 days on market·Jacksonville Golf & CC

12752 Cattail Pond Circle S

Jacksonville, FL 32224

$985,000$347/sqftEst. $5,080/moMLS# 2158578

Beds

Baths

2,838

Sq Ft

1995

Built

Garage

Yes

Pool

About this home

Jacksonville Golf & CC

Behind the gates of Jacksonville Golf & Country Club, this impeccably maintained one owner home offers timeless elegance and exceptional privacy. Featuring 5 bedrooms, 3 baths, and 2,929 square feet, the light filled open floor plan showcases hardwood floors and a desirable split bedroom layout. The fifth bedroom, currently an office with custom built ins and pocket doors, also works beautifully as a nursery, flex room, or guest bedroom. The spacious owner's suite features a spa inspired bath with a freestanding soaking tub. Upstairs, a bonus room with an ensuite bath is perfect for guests or family. Relax in the den with surround sound, entertain in the formal dining room, or enjoy preserve views from the glass enclosed sunroom. Outside, the fenced backyard features a sparkling pool, sealed pavers, a retractable awning, Fiberon deck, and a termite repair bond on a private preserve lot.

Cost to own

Mortgage calculator

Home Price

$985,000

Down Payment: 20%

$197,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$5,080

Principal & Interest: $5,080

Property taxes (est.): $1,608

Insurance (est.): $657

Estimated Total Monthly

$7,345

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$5,080

Property taxesest. at asking price, Duval County$1,608

HOAbilled quarterly$263

Estimated total, before insurance$6,951/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,571/yr · $548/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): $6,571/yr

Estimated taxes if purchased at asking price: ~$19,300/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.

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: material not specified — year not disclosed (home built 1995)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,711 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

Aug 5, 2026Active$985,000
Aug 4, 2026Listed$985,000

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

Features

Price$985,000

Price / Sq Ft$347

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,838

Acres0.23 acres

Year Built1995

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced

Is WaterfrontNo

Community Information

Address12752 Cattail Pond Circle S, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionJax Golf & Cc

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size10,018.8 sq ft

Parcel Number1674564100

Amenities

AmenitiesSecurity

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

ViewPool, Protected Preserve

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LaundryElectric Dryer Hookup, Sink, Washer Hookup

Window FeaturesSkylight(s)

SecurityGated with Guard, Security Gate, Smoke Detector(s)