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Active

Active·1 day on market

12527 Ash Harbor Drive

Jacksonville, FL 32224

$385,000$256/sqftEst. $1,977/moMLS# 2161387

Beds

Baths

1,502

Sq Ft

1998

Built

Garage

Pool

About this home

Jacksonville

The work is already done here. Roof 2022, water heater 2026, kitchen remodeled, newer flooring throughout; so the only thing left is to move in. The current owners have loved and cared for this home for 23 years, and it shows in every corner. A 3-bedroom, 2-bath home sitting on a generous .21-acre lot with a large covered, screened lanai. Inside, vaulted ceilings open up the living space and a true split floor plan puts the owner's suite with its separate tub and walk-in shower. The upgraded kitchen works perfect for real life: breakfast bar, center island, pantry, and room for a full table. Two-car garage, low HOA, no CDD. You're minutes from Mayo Clinic, UNF, St. Johns Town Center and JTB, with the beaches a short drive east. Come see it this weekend!

Cost to own

Mortgage calculator

Home Price

$385,000

Down Payment: 20%

$77,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,977

Principal & Interest: $1,977

Property taxes (est.): $629

Insurance (est.): $257

Estimated Total Monthly

$2,863

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,977

Property taxesest. at asking price, Duval County$629

HOAbilled semi-annually$20

Estimated total, before insurance$2,626/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,698/yr · $225/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	$339,916	$122,258	—
2024	$340,859	$117,965	—
2023	$316,781	$117,928	—
2022	$276,690	$113,037	—
2021	$223,173	$108,289	—
2020	$211,936	$106,104	—

2025 property taxes (current owner): $2,698/yr

Estimated taxes if purchased at asking price: ~$7,500/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,755 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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, 2026Listed$385,000

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

Features

Price$385,000

Price / Sq Ft$256

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,502

Acres0.21 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address12527 Ash Harbor Drive, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionAshton Hills

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size9,147.6 sq ft

Parcel Number1674578355

ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

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

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

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LaundryElectric Dryer Hookup, In Unit