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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

Active·Listed today

12759 Turtle Lake Lane

Jacksonville, FL 32246

$499,000$192/sqftEst. $2,568/moMLS# 2159991
4
Beds
2
Baths
2,599
Sq Ft
1994
Built
1
Garage
No
Pool

About this home

Jacksonville

Tucked into the highly sought after Indian Springs community, this beautifully renovated 4 bedroom, 2.5 bath home offers the setting buyers wait for. Sited directly on a serene pond, the backyard delivers water views and a peaceful backdrop for morning coffee or evening gatherings - and the community pool and tennis courts sit just steps from your front door. Inside, a full top to bottom renovation means the work is already done: new kitchen with quartz counters and stainless appliances, updated baths, new flooring throughout, fresh paint, and updated lighting. Major systems have been addressed as well, including a brand new 2026 roof for years of worry free ownership. With approximately 350 homes and a low $36 a month HOA, Indian Springs is a community residents rarely leave - and at just 13 minutes from Neptune Beach, the coast is an easy drive whenever you want it. Opportunities like this, on the water and beside the amenities, don't come along often. Schedule your private showing!

Cost to own

Mortgage calculator

$499,000
$99,800
Loan Term
Monthly Payment
$2,568
Principal & Interest: $2,568
Property taxes (est.): $815
Insurance (est.): $333
Estimated Total Monthly
$3,715
*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$2,568
Property taxesest. at asking price, Duval County$815
HOAbilled monthly$36
Estimated total, before insurance$3,419/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.

History

Price & status history

  • Aug 13, 2026Listed$499,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$499,000
Price / Sq Ft$192
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,599
Year Built1994
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontYes

Community Information

Address12759 Turtle Lake Lane, Jacksonville, FL 32246
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionSouthern Landing
CityJacksonville
CountyDuval
StateFL
Zip Code32246
Parcel Number165284-2380

Amenities

UtilitiesSewer Connected, Water Connected
Water SourceOther
ParkingGarage
Waterfront TypePond

Interior

AppliancesDishwasher, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories2

Additional Information

Date ListedAugust 13, 2026
Days on Market0
HOA Fees$36 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: 1 REALTY CORP

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

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 home

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

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