1230 12th Street N

Jacksonville Beach, FL 32250

$1,290,000$511/sqftEst. $6,639/moMLS# 2160156

Beds

Baths

2,525

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville Beach

This exceptional new construction home showcases a stunning chef's kitchen with designer-selected finishes, premium appliances, statement lighting, spa-inspired baths, and thoughtfully curated details throughout.

Cost to own

Mortgage calculator

Home Price

$1,290,000

Down Payment: 20%

$258,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$6,639

Principal & Interest: $6,639

Property taxes (est.): $2,106

Insurance (est.): $860

Estimated Total Monthly

$9,605

*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$6,639

Property taxesest. at asking price, Duval County$2,106

Estimated total, before insurance$8,745/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