This home is in Jacksonville — a waterfront home in Jacksonville.
Active·45 days on market
12619 Fish Hawk Lane
Jacksonville, FL 32225
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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
Price Reduction + $5000 Seller Contribution + Potential 100% Financing = A GREAT OPPORTUNITY! Come see why the seller loved this GORGEOUS house and Sterling Ridge neighborhood so much (5 miles to Atlantic Beach). The seller had to move due to job transfer but replaced exterior siding with quality materials and painted the exterior prior to move. The home is beautifully updated and MOVE-IN ready with a one-year-old AC unit, quartz countertops, luxury vinyl plank flooring, new appliances, and peaceful pond views. Situated on a quiet cul-de-sac, the screened-in patio overlooking the pond is the perfect spot for morning coffee or relaxing evenings. With reasonable offer, the seller is offering up to $5000 in concessions to be used towards buyer's closing costs or loan rate buy-down. Up to 100% financing available with Prosperity Home Mortgage not limited to first time homebuyers. Come see this home in person - it is beautiful!
Next steps in Jacksonville
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.
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 1993)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,770 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 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.
History
Price & status history
- Sep 29, 2026Price change$424,900−$4,100
- Aug 27, 2026Active$429,000
- Aug 10, 2026Listed$429,000
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 $276/sq ft; this home is listed at $298/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 930 Arkenstone Drive, Jacksonville, FL 32225Listed by MOMENTUM REALTY | Sep 2026 | $415,000 | $291 | 4/2 | 1,425 | 13 | 0.1 |
| 545 Oneida Court, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $385,000 | $251 | 4/2 | 1,532 | 69 | 0.5 |
| 374 Hickory Hollow Drive N, Jacksonville, FL 32225Listed by DJ & LINDSEY REAL ESTATE | Sep 2026 | $356,000 | $243 | 4/2 | 1,468 | 132 | 0.8 |
| 13130 Everett Court E, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $340,000 | $228 | 3/2 | 1,488 | 18 | 0.8 |
| 13353 Dijon Drive E, Jacksonville, FL 32225Listed by MOMENTUM REALTY | Sep 2026 | $440,000 | $278 | 3/2 | 1,584 | 58 | 0.8 |
| 1313 Chinook Trail, Jacksonville, FL 32225Listed by EXIT 1 STOP REALTY | Sep 2026 | $415,000 | $276 | 3/2 | 1,503 | 57 | 0.8 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
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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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines