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 Johns Creek, Jacksonville — a home near Atlantic Coast High School.

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Active

Active·2 days on market·Johns Creek

12968 Chets Creek Drive N

Jacksonville, FL 32224

$469,000$252/sqftEst. $2,419/moMLS# 2158757

Beds

Baths

1,858

Sq Ft

1998

Built

Garage

Pool

About this home

Johns Creek

Welcome to the space, flexibility, and convenience you've been looking for in the heart of Johns Creek! This 3-bedroom, 2-bath home has it all! With a separate office, formal dining room, massive kitchen, and open living areas, there is plenty of flexible living space throughout. Vaulted ceilings make the home feel even larger, while the kitchen offers abundant cabinetry, generous counter space, & plenty of room to add the island of your dreams. The split floor plan provides added privacy for the spacious primary suite, which also features a large walk-in closet. Outside, the oversized backyard offers endless possibilities, with room to add a pool, create your own outdoor oasis, or enjoy evenings around the existing fire pit. Located just off JTB and Hodges Blvd, the home is a short drive from shopping, dining, beaches, and everyday conveniences. A-rated Chets Creek Elementary is located at the front of the community. With no CDD fee and a very low HOA fee, this home checks every box!

Cost to own

Mortgage calculator

Home Price

$469,000

Down Payment: 20%

$93,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,419

Principal & Interest: $2,419

Property taxes (est.): $766

Insurance (est.): $313

Estimated Total Monthly

$3,497

*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$2,419

Property taxesest. at asking price, Duval County$766

HOAbilled annually$33

Estimated total, before insurance$3,217/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,268/yr · $356/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): $4,268/yr

Estimated taxes if purchased at asking price: ~$9,200/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: Shingle — year not disclosed (home built 1998)

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: ~1,757 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 6, 2026Listed$469,000

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

Features

Price$469,000

Price / Sq Ft$252

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,858

Acres0.17 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryChets Creek

MiddleKernan

HighAtlantic Coast

Community Information

Address12968 Chets Creek Drive N, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionJohns Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size7,405.2 sq ft

Parcel Number1671311975

ZoningResidential

Amenities

AmenitiesPool, Maintenance Grounds, Management - Off Site, Playground

UtilitiesCable Connected, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySmoke Detector(s)