12081 Grand Pine Drive

Jacksonville, FL 32224

$947,086$307/sqftEst. $4,869/moMLS# 2161802

Beds

Baths

3,087

Sq Ft

2026

Built

Garage

Pool

About this home

Seven Pines

Designed with space, comfort, and versatility in mind, this beautiful home features 4 bedrooms, 3.5 baths, and a spacious 3-car garage. The main-floor owner's suite offers a luxurious private retreat with dual walk-in closets and a spa-inspired bath, while a flexible bonus room provides the perfect space for a home office, library, or additional living area. Upstairs, three spacious bedrooms and a loft/game room offer plenty of room for family and guests, creating a home that's equally suited for everyday living and entertaining.

Cost to own

Mortgage calculator

Home Price

$947,086

Down Payment: 20%

$189,417

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,869

Principal & Interest: $4,869

Property taxes (est.): $1,546

Insurance (est.): $631

Estimated Total Monthly

$7,047

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$4,869

Property taxesest. at asking price, Duval County$1,546

HOAbilled annually$8

Estimated total, before insurance$6,424/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.

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.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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

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

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