Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Wells Creek, Jacksonville — a home near Atlantic Coast High School.

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Active

Active·16 days on market·Wells Creek

11993 Calvesta Street

Jacksonville, FL 32256

$290,000$225/sqftEst. $1,499/moMLS# 2160084

Beds

Baths

1,290

Sq Ft

2022

Built

Garage

Pool

About this home

Wells Creek

This beautiful 2-bedroom, 2.5-bath townhome has only 26 years left on the Assumable FHA MTG at 4.375% with only 15K in equity to assume . Immaculate light bright open & Airy floor plan. Spacious open kitchen with a large center island / breakfast bar, upgraded stainless steel appliances along with the elegant white quartz countertops blend style with functionality. The kitchen, dining area, living area and the powder room downstairs all have the luxury vinyl plank flooring, while the second level features cozy carpet and stylish tile in the wet areas. Both bedrooms are huge with plenty of closet space and each one has their own private bathrooms. The master is spacious, has beautiful tray ceilings, a large closet & plenty of natural light. Other extras include the inside Laundry room, the screen lanai overlooking the natural area out back and 1-car garage. Fantastic community amenities including a sparkling pool, a playground for the kids, and a large dog park for your furry friend.

Cost to own

Mortgage calculator

Home Price

$290,000

Down Payment: 20%

$58,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,499

Principal & Interest: $1,499

Property taxes (est.): $474

Insurance (est.): $193

Estimated Total Monthly

$2,165

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,499

Property taxesest. at asking price, Duval County$474

HOAbilled quarterly$183

Estimated total, before insurance$2,155/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,329/yr · $361/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

Year	Market value	Taxable value	Change
2025	$265,593	$214,871	—
2024	$261,054	$211,054	—
2023	$255,193	$205,193	—
2022	$50,000	$50,000	—

2025 property taxes (current owner): $4,329/yr

Estimated taxes if purchased at asking price: ~$5,700/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 (2025), 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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Other — year not disclosed (home built 2022)

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

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

Price & status history

Aug 22, 2026Active$290,000
Aug 13, 2026Listed$290,000

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

Features

Price$290,000

Price / Sq Ft$225

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,290

Acres0.07 acres

Year Built2022

TypeResidential

Sub-TypeTownhouse

StyleContemporary

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryBartram Springs

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address11993 Calvesta Street, Jacksonville, FL 32256

Area028-Bayard

SubdivisionWells Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size3,049.2 sq ft

Parcel Number1681244020

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Management - Off Site, Park, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, On Street

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric, Separate Meters

FlooringCarpet

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Fire Alarm, Smoke Detector(s)