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 Johns Creek, Jacksonville — a home near Atlantic Coast High School.

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Active

Active·Listed today·Johns Creek

12987 Winthrop Cove Drive

Jacksonville, FL 32224

$515,000$268/sqftEst. $2,648/moMLS# 2162649

Beds

Baths

1,925

Sq Ft

1996

Built

Garage

Pool

About this home

Johns Creek

Beautiful, well kept home in Johns Creek, which has a nice view of the Lake from the backyard and the Florida room. This home has 10 foot ceilings with skylights, hardwood floors, and an open kitchen with stainless steel appliances. Master bedroom has double entry doors, walk-in California closets, with a large master bathroom. The two additional bedrooms are on the opposite side of the house from the master. The hall bathroom has been updated. A new paver patio has been added off the heated and cooled Florida room. The driveway has pavers too. Cul-de-sac location with Kiosk mailboxes. Roof -2014, AC - 2020

Cost to own

Mortgage calculator

Home Price

$515,000

Down Payment: 20%

$103,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,648

Principal & Interest: $2,648

Property taxes (est.): $841

Insurance (est.): $343

Estimated Total Monthly

$3,832

*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$2,648

Property taxesest. at asking price, Duval County$841

HOAbilled annually$30

Estimated total, before insurance$3,519/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,644/yr · $387/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): $4,644/yr

Estimated taxes if purchased at asking price: ~$10,100/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.

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 — 2014 per the listing

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

Solar potential: ~1,785 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

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