This home is in Jacksonville — a home near Atlantic Coast High School.
Sold·Closed Sep 11, 2026·3 days on market·Recent sales in Jacksonville Beach
13038 Kernan Mill Lane S
Jacksonville, FL 32224
About this home
Jacksonville
Come home to this thoughtfully updated and impeccably maintained gem located in the sought-after Heather Glen community. This move in ready home features the following updates - roof (2020), Heat/AC (2024), Guest Bathroom (2025), Garage door (2025), custom Closets by Design in the Master Bedroom, Porcelain wood look flooring. New bedroom carpet in guest bedroom. Modern kitchen with shaker cabinetry and granite countertops. The open concept floor plan makes entertaining a breeze. Enjoy the large family room and wood burning fireplace or step out back to the patio and take in the serene view of the surrounding landscape. Just minutes to the beaches, entertainment, major highways/downtown Jax, Mayo Clinic and about any modern necessity. A beautiful, updated home with an outstanding lot and fantastic view in a great neighborhood that is conveniently located - this one checks those boxes. Come see what makes this home special and book your appointment today.
Next steps in Jacksonville Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 E
Zone E evacuates after zones A, B, C, D in an approaching storm.
Roof: Shingle — 2020 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: ~1,345 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 homeAs 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
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real pool sun without the western afternoon heat.
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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,571/yr
Estimated taxes if purchased at asking price: ~$9,700/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.
History
Price & status history
- Sep 11, 2026Closed$514,900
- Sep 1, 2026Pending$514,900
- Aug 13, 2026Active Under Contract$514,900
- Aug 10, 2026Listed$514,900
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 $258/sq ft; this home is listed at $268/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4577 Pebble Brook Drive, Jacksonville, FL 32224Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $640,000 | $278 | 5/3 | 2,302 | 13 | 0.5 |
| 13063 Autumn River Road S, Jacksonville, FL 32224Listed by DESTINY REAL ESTATE | Aug 2026 | $431,000 | $198 | 4/2 | 2,179 | 3 | 0.7 |
| 13093 S Chets Creek Drive, Jacksonville, FL 32224Listed by EXIT MAGNOLIA POINT REALTY | Aug 2026 | $570,000 | $258 | 4/2 | 2,210 | 65 | 1 |
| 12989 Chets Creek Drive S, Jacksonville, FL 32224Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $509,000 | $232 | 3/2 | 2,196 | 4 | 1 |
| 4078 Glenhurst Drive N, Jacksonville, FL 32224Listed by FLUID REALTY, LLC. | Sep 2026 | $626,025 | $296 | 3/2 | 2,114 | 3 | 1.3 |
| 12968 Chets Creek Drive N, Jacksonville, FL 32224Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $469,000 | $252 | 3/2 | 1,858 | 2 | 1.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
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.
Keep looking
More homes in Heather Glen
Under Contract4666 Kernan Mill Lane EJacksonville, FL 32224
3 bd · 2 ba · 1,808 sq ft
$500,000Est. $2,661/moWelcome home to this beautifully renovated 3-bedroom, 2-bath home in the quaint enclave of Heather Glen at Glen Kernan.…
Listing Office: epique realty, inc
Under Contract12944 Summerwind LaneJacksonville, FL 32224
3 bd · 2 ba · 2,004 sq ft
$475,000Est. $2,528/moWelcome home to this beautiful 3-bedroom, 2-bathroom home in the highly desirable Heather Glen at Glen Kernan…
Listing Office: planet realty and management llc
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Krista Fracke
Broker Associate
This home sold on Sep 11, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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