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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 — a waterfront home in Jacksonville.

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Active

$415,0003 bd · 2 ba · 1,609 sq ft

Active·99 days on market

12050 Brightmore Way

Jacksonville, FL 32246

$415,000$258/sqftEst. $2,249/mo mortgageMLS# 2159050
↓ $5,000 below original list
3
Beds
2
Baths
1,609
Sq Ft
2001
Built
2
Garage
No
Pool
FEMA Zone XHOA $30/mo12,197 sqft lotWaterfrontSingle Family Residence1 story

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Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

WELCOME HOME! Discover this charming 3-bedroom, 2-bath home located in the desirable Hawkins Cove community. Situated on a serene lake, this property offers a spacious backyard with peaceful water views. --perfect for relaxing or entertaining. Roof 2022, AC 2021 Inside, you'll find a bright, functional layout featuring an indoor laundry room and a 2-car garage for added convenience. Enjoy your morning coffee or unwind in the evening on the screened-in patio overlooking the lake. Conveniently located near shopping, restaurants, LA Fitness, movie theatre, Mayo Clinic, and beautiful beaches. Harris Teeter Coming minutes away. This home combines comfort, convenience, and a tranquil setting.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.18% · 30yr$2,249
Property taxesest. at asking price, Duval County$679
HOAbilled annually$30
Estimated total, before insurance$2,958/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,763/yr · $230/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$415,000
$83,000
Loan Term
Monthly Payment
$2,249
Principal & Interest: $2,249
Property taxes (est.): $679
Insurance (est.): $277
Estimated Total Monthly
$3,205
*30-year loan at 7.18% APR (avg 30-yr rate 2026-11-05, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,812 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2026$328,340$130,145—

2025 property taxes (current owner): $2,763/yr

Estimated taxes if purchased at asking price: ~$8,200/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 3,601 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.

History

Price & status history

  • Sep 8, 2026Price change$415,000−$5,000
  • Aug 7, 2026Listed$420,000

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 $233/sq ft; this home is listed at $258/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1824 Hawkins Cove Drive W, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$400,000$2163/21,850310.1
12079 Sunchase Drive, Jacksonville, FL 32246Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$408,500$2214/21,84750.1
1887 Sunchase Court, Jacksonville, FL 32246Listed by WATERMARKE REALTY GROUP LLCOct 2026$450,000$2803/21,60580.3
11320 Hendon Drive, Jacksonville, FL 32246Listed by FLUID REALTY, LLC.Oct 2026$390,000$2334/21,67420.6
1977 Millington Lane, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$315,000$1663/21,893620.7
2098 Forest Gate Drive E, Jacksonville, FL 32246Listed by DJ & LINDSEY REAL ESTATEOct 2026$545,000$2664/22,05240.9

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$415,000
Price / Sq Ft$258
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,609
Acres0.28 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
ElementaryWaterleaf, reported on 8 other Hawkins Cove listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address12050 Brightmore Way, Jacksonville, FL 32246
Area023-Southside-East Of Southside Blvd
SubdivisionHawkins Cove
CityJacksonville
CountyDuval
StateFL
Zip Code32246
Lot Size12,196.8 sq ft
Parcel Number1652645970

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Laminate, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch, Screened
RoofShingle
ConstructionStucco, Vinyl Siding

Additional Information

Date ListedAugust 7, 2026
Days on Market99
HOA Fees$354 / Annually
HOA FrequencyAnnually
Tax Amount$2,763.3
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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.

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