Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Kensington, Jacksonville — a home near Sandalwood High School.

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Active

Active·1 day on market·Kensington

12350 Twin Sands Trail E

Jacksonville, FL 32246

$499,999$240/sqftEst. $2,571/moMLS# 2162636

Beds

Baths

2,085

Sq Ft

1992

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$499,999

Down Payment: 20%

$100,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,571

Principal & Interest: $2,571

Property taxes (est.): $816

Insurance (est.): $333

Estimated Total Monthly

$3,720

*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$2,571

Property taxesest. at asking price, Duval County$816

HOAbilled annually$73

Estimated total, before insurance$3,459/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).

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.

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.

History

Price & status history

Aug 31, 2026Listed$499,999

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

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

HighSandalwood

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