This home is in Jacksonville — a pool home in Jacksonville.
Active·50 days on market
12827 Ft Caroline Road
Jacksonville, FL 32225
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About this home
Jacksonville
Panoramic views from this riverfront BLUFF Masterpiece, with rare DEEP water with effortless access to the Atlantic Ocean. This high elevation home and property has been comprehensively & meticulously renovated, the tranquility and security of 1.53 acres of gated elegance. This iconic riverfront estate offers an unparalleled lifestyle of privacy, space and the serenity of nature. Perfectly blending luxury living with the expanse of natural surroundings, you can entertain, relax, or simply embrace prime waterfront with privacy and peace of mind. The gated drive leads to the gorgeous, stately brick home and room to enjoy the best that waterfront living has to offer. Natural slate stone roof. Marble & wood flooring, massive vaulted ceilings, state of the art kitchen, office & primary bedroom on first floor, and amazing dock with covered pavilion to enhance your waterfront lifestyle & fully functional dockhouse. Centerpiece pool, hot tub and koi pond. Surrounded by miles of nature trails.
Next steps in New Construction — Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Other — year not disclosed (home built 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,495 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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.
Closest beach parking
South Beach Pavillion, Little Talbot Island State Parkabout 6 mi · 100 parking spaces
Closest park or preserve
Theodore Roosevelt Area and Fort Caroline (Timucuan Preserve)about 0.2 mi · 9.3 mi of trails
Closest public boat ramp
Fulton Road Unimproved Landingabout 0.8 mi · St. Johns River
Closest kayak & paddleboard launch
Joe Carlucci Sisters Creek Park – Paddlecraft Launch Beachabout 2 mi · St. Johns River
Closest youth league fields
Ed Austin Regional Parkabout 2 mi · Baseball, Softball, Soccer
Closest grocery store
Publixabout 2 mi · 2771 Monument Rd, Jacksonville
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $3,479,545 | $1,492,923 | — |
| 2024 | $2,697,987 | $1,450,141 | ▲ $839,499 |
| 2023 | $1,913,938 | $1,406,448 | — |
| 2022 | $1,848,282 | $1,364,028 | ▲ $226,380 |
| 2021 | $1,391,248 | $1,322,843 | — |
| 2020 | $1,353,889 | $1,303,889 | ▼ $407,718 |
2024 property taxes (current owner): $26,514/yr
Estimated taxes if purchased at asking price: ~$154,300/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 (2025), NEFMLS.
History
Price & status history
- Sep 1, 2026Listed$7,875,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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.
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Krista Fracke
Broker Associate
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