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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Sold

Sold·Closed Sep 28, 2026·11 days on market·Recent sales in Over 55 & Active Adult

12517 Russian Olive Road

Jacksonville, FL 32218

$349,900sold priceListed at $359,900 · 97.2% of asking$188/sqftMLS# 2158629
4
Beds
2
Baths
1,862
Sq Ft
2025
Built
2
Garage
No
Pool
FEMA Zone XHOA $9/moSingle Family Residence1 story

About this home

Jacksonville

MODEL HOME NOW FOR SALE!! The Cali floor plan offers 1,862 square feet of thoughtfully designed living space with 4 bedrooms, 2 bathrooms, and a 2-car garage the perfect balance of comfort and functionality. This popular layout features a spacious open-concept design where the kitchen, dining area, and large gathering room all flow together seamlessly in one expansive space. With abundant natural light throughout, the main living area feels bright, welcoming, and ideal for both everyday living and special occasions. The kitchen is a true centerpiece, featuring a large island perfect for entertaining, casual dining, or homework time. You'll love the generous counter space for meal prep and hosting, making it easy to gather with friends and family while staying connected to the action in the gathering room. The private owner's suite offers a relaxing retreat with a spacious walk-in closet and an en-suite bath complete with dual sinks for added convenience.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,938
Property taxesest. at asking price, Duval County$571
HOAbilled quarterly$9
Estimated total, before insurance$2,519/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$349,900
$69,980
Loan Term
Monthly Payment
$1,938
Principal & Interest: $1,938
Property taxes (est.): $571
Insurance (est.): $233
Estimated Total Monthly
$2,743
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: Shingle — year not disclosed (home built 2025)

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

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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.

History

Price & status history

  • Sep 29, 2026Closed$359,900
  • Aug 17, 2026Pending$359,900
  • Aug 11, 2026Price change$359,900−$10,000
  • Aug 5, 2026Listed$369,900

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 $200/sq ft; this home is listed at $193/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12511 Russian Olive Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INCSep 2026$327,950$2044/21,609350
12455 Russian Olive Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INCSep 2026$350,000$1884/21,8621060.1
12463 Russian Olive Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INCAug 2026$331,500$2005/21,657940.1
4161 Sitka Pine Circle, Jacksonville, FL 32218Listed by D R HORTON REALTY INCSep 2026$354,350$2004/21,774610.2
4017 Chihuahua Court, Jacksonville, FL 32218Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$305,000$1893/21,618250.2
4005 Sitka Pine Circle, Jacksonville, FL 32218Listed by D R HORTON REALTY INCAug 2026$350,000$1974/21,774480.2

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

Price$359,900
Price / Sq Ft$193
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,862
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

ElementaryGarden City
MiddleHighlands
HighJean Ribault

Community Information

Address12517 Russian Olive Road, Jacksonville, FL 32218
Area091-Garden City/Airport
SubdivisionThe Arbors
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Parcel Number0194491785

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Playground
UtilitiesElectricity Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewPond

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Smart Home, Smart Thermostat, Walk-In Closet(s)
AppliancesOther, Dishwasher, Disposal, Electric Range, Electric Water Heater, Microwave
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Patio / PorchPatio
RoofShingle
ConstructionOther, Fiber Cement, Frame

Additional Information

Date ListedAugust 5, 2026
Days on Market11
HOA Fees$28.34 / Quarterly
HOA FrequencyQuarterly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: D R HORTON REALTY INC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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