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This home is in Jacksonville.

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12026 Provence Street

Jacksonville, FL 32224

$350,000$228/sqftEst. $1,801/moMLS# 2159869

Beds

Baths

1,534

Sq Ft

2010

Built

—

Garage

Pool

About this home

Jacksonville

They do not build them like this anymore: Energy Star certification with 6 inch poured concrete walls, metal roof, and foam insulation in the rafters. No HOA, no CDD, and 15 minutes to the beach. Tucked on a quiet dead-end private road minutes from Beach Blvd and I-295, this 3 bed, 2 full bath pairs rare original quality with meaningful updates. 1 year old HVAC, energy efficient windows, whole house water filtration and reverse osmosis in the kitchen. Water heater and pump are 2 years old, plus new fence and LVP flooring. Inside, vaulted ceilings and an open layout make entertaining effortless. Granite flows through kitchen and both baths, and a split bedroom plan gives everyone space. The primary retreat features shiplap accents, and both baths were updated with gorgeous tile, upgraded lighting, and Schluter waterproofing. Fully fenced backyard with a fire pit and seating for a gathering. Highly desired 32224 zipcode minutes to the Intracoastal, beaches, and Mayo Clinic.

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,801

Principal & Interest: $1,801

Property taxes (est.): $572

Insurance (est.): $233

Estimated Total Monthly

$2,606

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,801

Property taxesest. at asking price, Duval County$571

Estimated total, before insurance$2,373/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,206/yr · $267/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): $3,206/yr

Estimated taxes if purchased at asking price: ~$6,900/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: Metal — year not disclosed (home built 2010)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,647 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