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This home is in Jacksonville Beach — a new construction home in Jacksonville.

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Active Under Contract

Active Under Contract·44 days on market

1230 12th Street N

Jacksonville Beach, FL 32250

$1,290,000$511/sqftEst. $6,887/moMLS# 2160156

Beds

Baths

2,525

Sq Ft

2026

Built

Garage

Pool

FEMA Zone XNo HOASingle Family Residence2 storiesNew construction

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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$6,887

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

Estimated total, before insurance$8,993/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$1,290,000

Down Payment: 20%

$258,000

Interest Rate: 7.03%

Loan Term

Monthly Payment

$6,887

Principal & Interest: $6,887

Property taxes (est.): $2,106

Insurance (est.): $860

Estimated Total Monthly

$9,853

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Metal, Shingle — year not disclosed (home built 2026)

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

Sewer · FL0020231 - City of Jacksonville Beach · Public water (record)

County records show this parcel on central sewer served by FL0020231 - City of Jacksonville Beach — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,498 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

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:17 AM, sunset 7:15 PM.

Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

Aug 28, 2026Active Under Contract$1,290,000
Aug 14, 2026Listed$1,290,000

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

Features

Price$1,290,000

Price / Sq Ft$511

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,525

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesEast

Community Information

Address1230 12th Street N, Jacksonville Beach, FL 32250

Area213-Jacksonville Beach-NW

SubdivisionJacksonville Beach

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Parcel Number1790160020

Amenities

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, Gas Range, Ice Maker, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, Sink, Upper Level

Exterior

Exterior FeaturesBalcony, Outdoor Kitchen, Outdoor Shower

Lot DescriptionDead End Street

Patio / PorchCovered, Front Porch, Rear Porch

FencingFenced, Full, Wood

RoofMetal, Shingle

ConstructionFiber Cement, Frame

Additional Information

Date ListedAugust 14, 2026

Days on Market14

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: BACHMANN HOMES REALTY, LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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