Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a pool home in Jacksonville.

Photo 1 / 148
Active

Active·55 days on market

12701 Bay Plantation Drive

Jacksonville, FL 32223

$1,469,000$378/sqftEst. $8,073/mo mortgageMLS# 2161623
4
Beds
3.5
Baths
3,891
Sq Ft
1995
Built
3
Garage
Yes
Pool
HOA $100/mo1.00 acresSingle Family Residence2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

12701 Bay Plantation Drive is a renovated estate on an acre in sought-after River Bay Plantation. This nearly 3,900-square-foot home features soaring ceilings, floor-to-ceiling windows and an atrium-style entry overlooking the resort-style pool and private backyard. A covered portico with an outdoor kitchen extends to the screened pool patio with travertine, illuminated water-bowl fountains, a pool bath and walkouts, including private primary-suite access. Open layout you will fall in love with. The gourmet kitchen features three-tier custom cabinetry, quartz countertops, a butler's pantry, and Wolf and Sub-Zero appliances. Improvements include a new roof (2021), HVAC system (2022), water heater (2024), kitchen (2025), remodeled bathrooms and much more. Other highlights include marble-style tile, a spiral staircase with balcony overlook, exercise/sauna room, wine cellar, circular driveway, three-car garage. Just a few blocks to Mandarin Park and Boat Ramp.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$8,073
Property taxesest. at asking price, Duval County$2,399
HOAbilled annually$100
Estimated total, before insurance$10,571/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$16,829/yr · $1,402/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

$1,469,000
$293,800
Loan Term
Monthly Payment
$8,073
Principal & Interest: $8,073
Property taxes (est.): $2,399
Insurance (est.): $979
Estimated Total Monthly
$11,451
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

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

Roof: Shingle — 2021 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: ~1,512 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 September 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

Northwest-facing backyard — summer sunsets, gentle days

The listing reports the home facing southeast, which puts the backyard and pool on the northwest side. Today at this address: sunrise 7:37 AM, sunset 6:44 PM.

  • The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
  • Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $16,829/yr

Estimated taxes if purchased at asking price: ~$28,800/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 1, 2026Active$1,469,000
  • Aug 24, 2026Listed$1,469,000

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 $245/sq ft; this home is listed at $378/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12767 Brady Road, Jacksonville, FL 32223Listed by VREELAND REAL ESTATE LLCJul 2026$700,000$2064/33,40360.1
12819 River Story Way, Jacksonville, FL 32223Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$1,900,000$4795/4.53,96800.3
12852 Longview Drive W, Jacksonville, FL 32223Listed by RE/MAX SPECIALISTSMay 2026$598,000$2093/2.52,859250.3
14830 Ingle Lane, Jacksonville, FL 32223Listed by ROUND TABLE REALTYSep 2026$695,000$2125/3.53,286380.4
12843 River Story Way, Jacksonville, FL 32223Listed by RE/MAX SPECIALISTSJul 2026$1,913,750$5025/43,813160.4
2506 Riley Oaks Trail, Jacksonville, FL 32223Listed by THE LEGENDS OF REAL ESTATEOct 2026$769,000$2454/3.53,14130.5

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$1,469,000
Price / Sq Ft$378
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,891
Total Structure Area4,929 sq ft
Acres1.00 acres
Year Built1995
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure, Waterfall
Is WaterfrontNo
Direction FacesSoutheast

School Information

ElementaryLoretto
MiddleMandarin

Community Information

Address12701 Bay Plantation Drive, Jacksonville, FL 32223
Area014-Mandarin
SubdivisionRiver Bay Plantation
CityJacksonville
CountyDuval
StateFL
Zip Code32223
Lot Size43,560 sq ft
Lot Dimensions195 x 188
Parcel Number1060690505
ZoningSingle Family

Amenities

Community FeaturesStreet Lights
UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Natural Gas Connected, Sewer Available, Sewer Connected, Water Available, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Circular Driveway, Garage, Garage Door Opener
ViewPool, Trees/Woods

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar, Wine Cellar
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Range, Freezer, Induction Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
Fireplace FeaturesDouble Sided, Free Standing, Gas
# of Stories2
LevelsTwo
LaundryGas Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup
Spa FeaturesHeated, Above Ground

Exterior

Exterior FeaturesOutdoor Kitchen, Outdoor Shower
Lot DescriptionCleared, Corner Lot, Few Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch, Screened
FencingFenced, Back Yard, Cross Fenced, Privacy
RoofShingle
ConstructionStucco
Road FrontageCity Street

Additional Information

Date ListedSeptember 2, 2026
Days on Market55
HOA Fees$1,196 / Annually
HOA FrequencyAnnually
Tax Amount$16,828.67
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CRYSTAL CLEAR 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines