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This home is in Jacksonville — a waterfront home in Jacksonville.

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12183 Safeshelter Drive S

Jacksonville, FL 32225

$395,000$185/sqftEst. $2,033/moMLS# 2159975

Beds

Baths

2,136

Sq Ft

1989

Built

Garage

Pool

About this home

Jacksonville

Nice move in ready home. The property boasts a convenient floor plan, featuring a spacious great room enhanced by a beautiful fireplace. Separate dining area/flex space. Well-appointed eat-in kitchen with ample countertops, white cabinetry, and modern stainless steel appliances. The primary bedroom includes a walk-in closet and an en-suite bathroom with double vanities, tub and separate walk in shower. Split floor plan with two other roomy bedrooms with plenty of closet space.. Step outside to the sunroom, a perfect spot for relaxation and entertainment, the backyard provides a serene setting, surrounded by mature trees and a picturesque pond view. Conveniently situated near shopping, and dining options, and with easy access to I-295.

Cost to own

Mortgage calculator

Home Price

$395,000

Down Payment: 20%

$79,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,033

Principal & Interest: $2,033

Property taxes (est.): $645

Insurance (est.): $263

Estimated Total Monthly

$2,941

*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$2,033

Property taxesest. at asking price, Duval County$645

Estimated total, before insurance$2,678/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,115/yr · $510/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): $6,115/yr

Estimated taxes if purchased at asking price: ~$7,700/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