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This home is in Jacksonville.

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Active

Active·Listed today

12464 Gately Road S

Jacksonville, FL 32225

$540,000$233/sqftEst. $2,779/moMLS# 2159993

Beds

Baths

2,322

Sq Ft

1990

Built

Garage

Pool

About this home

Jacksonville

Beautifully updated and move-in ready, this all-brick 4-bedroom, 2-bathroom home offers 2,322 square feet of spacious, comfortable living with two standout features--the beautifully updated kitchen and stunning primary bathroom. At the center of the home is the updated kitchen, creating a natural gathering place for everyday living and entertaining. Fresh, modern and inviting, it connects effortlessly with the home's multiple living and entertaining spaces, making it the true centerpiece of the floor plan. The primary suite offers another impressive highlight with an amazingly renovated bathroom that feels like your own private spa retreat. Stylish finishes and a fresh, modern design make this a space you'll look forward to enjoying every day. The secondary bathroom has also been beautifully updated, adding to the move-in-ready appeal. The enclosed lanai extends the living space and provides the perfect year-round setting for morning coffee, relaxing evenings, game days or

Cost to own

Mortgage calculator

Home Price

$540,000

Down Payment: 20%

$108,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,779

Principal & Interest: $2,779

Property taxes (est.): $882

Insurance (est.): $360

Estimated Total Monthly

$4,021

*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$2,779

Property taxesest. at asking price, Duval County$882

HOAbilled annually$10

Estimated total, before insurance$3,671/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,082/yr · $590/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): $7,082/yr

Estimated taxes if purchased at asking price: ~$10,600/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1990)

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

Solar potential: ~1,217 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 home

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

Aug 13, 2026Listed$540,000

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

Features

Price$540,000

Price / Sq Ft$233

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,322

Acres0.27 acres

Year Built1990

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address12464 Gately Road S, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionGately Oaks

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size11,761.2 sq ft

Parcel Number1621915170

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit