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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 Kensington, Jacksonville — a home near Sandalwood High School.

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Active

Active·52 days on market·Kensington

12350 Twin Sands Trail E

Jacksonville, FL 32246

$499,999$240/sqftEst. $2,770/mo mortgageMLS# 2162636
4
Beds
2
Baths
2,085
Sq Ft
1992
Built
2
Garage
No
Pool

4 more homes for sale in Kensington →Search Kensington on the map

FEMA Zone XHOA $73/mo11,326 sqft lotSingle Family Residence1 story

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

About this home

Kensington

Welcome to this beautiful 4-bedroom, 2-bath home in the desirable Brighton Bay community! This spacious residence offers approximately 2,085 sq. ft. of comfortable living space with an open and functional floor plan designed for everyday living and entertaining . The inviting living areas flow naturally into the kitchen and dining spaces, creating a warm and welcoming atmosphere. The primary suite provides a private retreat, while three additional bedrooms offer flexibility for family, guests, or a home office. Enjoy the convenience of a 2-car garage and a desirable location close shopping, dining, major roadways, and Jacksonville's beautiful beaches. A wonderful opportunity to own a spacious home in a highly convenient intracoastal West location! The Brighton Bay/Kensington community offers a community pool, clubhouse, playground, tennis courts, pickleball, sports/ball fields and sand volleyball.

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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$2,770
Property taxesest. at asking price, Duval County$816
HOAbilled annually$73
Estimated total, before insurance$3,658/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,630/yr · $553/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

$499,999
$100,000
Loan Term
Monthly Payment
$2,770
Principal & Interest: $2,770
Property taxes (est.): $816
Insurance (est.): $333
Estimated Total Monthly
$3,919
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Outside all hurricane evacuation zones

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

Roof: Shingle — year not disclosed (home built 1992)

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

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: ~1,736 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.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,630/yr

Estimated taxes if purchased at asking price: ~$9,800/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

  • Aug 31, 2026Listed$499,999

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 $249/sq ft; this home is listed at $240/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2098 Forest Gate Drive E, Jacksonville, FL 32246Listed by DJ & LINDSEY REAL ESTATEOct 2026$545,000$2664/22,05240.2
12183 Irwin Manor Drive, Jacksonville, FL 32246Listed by FLORIDA LIFESTYLES REALTYOct 2026$478,000$2204/32,168640.6
2171 Cavalry Boulevard, Jacksonville, FL 32246Listed by KELLER WILLIAMS ST JOHNSOct 2026$535,000$2354/22,27460.9
12029 Cavalry Court, Jacksonville, FL 32246Listed by REALTY ONE GROUP ELEVATESep 2026$524,900$2493/22,104421
12752 Costas Way, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$675,000$3014/32,2461331
12079 Sunchase Drive, Jacksonville, FL 32246Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$408,500$2214/21,84751

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$499,999
Price / Sq Ft$240
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,085
Acres0.26 acres
Year Built1992
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryKernan Trail
MiddleKernan

Community Information

Address12350 Twin Sands Trail E, Jacksonville, FL 32246
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionKensington
CityJacksonville
CountyDuval
StateFL
Zip Code32246
Lot Size11,325.6 sq ft
Parcel Number1652680445

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Management - Off Site, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
# of Stories1
Window FeaturesSkylight(s)
SecuritySmoke Detector(s)

Exterior

Patio / PorchPatio, Porch
FencingFenced, Back Yard, Wood
RoofShingle
ConstructionFrame
Other StructuresShed(s)
Road SurfaceAsphalt

Additional Information

Date ListedAugust 31, 2026
Days on Market34
HOA Fees$870 / Annually
HOA FrequencyAnnually
Tax Amount$6,630.03
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.

The neighborhood

About Kensington

Kensington is a neighborhood in St. Johns County, FL (Duval County), ZIP 32246.

View all Kensington homes for sale →

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.

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20+ years · 500+ closings · NE Florida

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