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

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Sold

Sold·Closed Sep 14, 2026·11 days on market·Recent sales in Wells Creek·Wells Creek

13157 Cameron Valley Court

Jacksonville, FL 32256

$410,000sold priceListed at $429,000 · 95.6% of asking$230/sqftMLS# 2160160
3
Beds
2
Baths
1,784
Sq Ft
2023
Built
2
Garage
No
Pool

32 more homes for sale in Wells Creek →Search Wells Creek on the map

FEMA Zone XHOA $83/mo6,534 sqft lotSingle Family Residence1 story

About this home

Wells Creek

Welcome to 13157 Cameron Valley Rd, a beautiful 3-bedroom home with a versatile flex space, perfectly positioned on a private preserve homesite at the end of a quiet cul-de-sac. Built in 2023, this inviting property offers the ideal blend of comfort, privacy, and functionality, with a thoughtful layout designed for both everyday living and entertaining. Enjoy peaceful preserve views, added privacy, and a serene setting while still being close to all that Jacksonville has to offer. The flexible additional space provides endless possibilities for a home office, playroom, workout space, or guest area. A wonderful opportunity to enjoy comfortable Florida living in a truly desirable setting. *A lender-paid appraisal and interest rate buy-down is available to qualified buyers when financing through seller's preferred lender.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,271
Property taxesest. at asking price, Duval County$669
HOAbilled quarterly$83
Estimated total, before insurance$3,023/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,667/yr · $556/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$410,000
$82,000
Loan Term
Monthly Payment
$2,271
Principal & Interest: $2,271
Property taxes (est.): $670
Insurance (est.): $273
Estimated Total Monthly
$3,214
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 E

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

Roof: Shingle — year not disclosed (home built 2023)

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,667/yr

Estimated taxes if purchased at asking price: ~$8,000/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.

History

Price & status history

  • Sep 14, 2026Closed$429,000
  • Aug 25, 2026Pending$429,000
  • Aug 14, 2026Listed$429,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $268/sq ft; this home is listed at $240/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12018 Elderbank Drive, Jacksonville, FL 32256Listed by FULL HOUSE REALTYJun 2026$370,000$2683/21,382440.1
13162 Dunwick Road, Jacksonville, FL 32256Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$484,999$2394/32,032250.2
12096 Elderbank Drive, Jacksonville, FL 32256Listed by ENDLESS SUMMER REALTYJun 2026$383,000$2773/21,38220.2
13627 Brookwater Drive, Jacksonville, FL 32256Listed by ROUND TABLE REALTYSep 2026$430,000$2154/22,003280.6
13756 Harlowton Avenue, Jacksonville, FL 32256Listed by 1 REALTY CORPAug 2026$440,000$2153/2.52,04230.7
13041 Whispering Winds Drive, Jacksonville, FL 32256Listed by JACKSONVILLE TBI REALTY, LLCAug 2026$639,000$3043/2.52,1051301

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$429,000
Price / Sq Ft$240
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,784
Acres0.15 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address13157 Cameron Valley Court, Jacksonville, FL 32256
Area028-Bayard
SubdivisionWells Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Lot Size6,534 sq ft
Parcel Number1681245120

Amenities

AmenitiesPool, Dog Park, Jogging Path, Park, Playground
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Range, Microwave, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Porch, Rear Porch, Screened
FencingBack Yard, Privacy, Vinyl
RoofShingle
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 14, 2026
Days on Market11
HOA Fees$249 / Quarterly
HOA FrequencyQuarterly
Tax Amount$6,667.33
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ENDLESS SUMMER REALTY

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.

The neighborhood

About Wells Creek

Wells Creek is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.

View all Wells Creek homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 14, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

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.

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