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This home is in Johns Creek, Jacksonville.

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Active

Active·1 day on market·Johns Creek

13096 Quincy Bay Drive

Jacksonville, FL 32224

$525,000$269/sqftEst. $2,713/moMLS# 2163104

Beds

Baths

1,950

Sq Ft

1996

Built

Garage

Pool

About this home

Johns Creek

A beautifully renovated home awaits you in Johns Creek! The meticulously maintained residence is convenient to town center, the beaches, Mayo clinic and more. The kitchen features new quartz countertops, newer stainless steel appliances and plenty of storage. The open floor plan brings in natural light through the skylights. The primary bedroom is spacious and the primary bath has a garden tub, oversized closets with his and her vanities as well. Access your patio and backyard from the primary suite. A fully fenced, completely level backyard will be your oasis, with plenty of room to build a pool if you wish. ** Preferred Membership Initiation Fee pricing for the clubs of Gate Hospitality - Ponte Vedra Inn & Club, The Lodge & Club, Epping Forest or The River Club - is available to the purchaser(s) of this property ** restrictions apply **

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,713

Principal & Interest: $2,713

Property taxes (est.): $857

Insurance (est.): $350

Estimated Total Monthly

$3,920

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,713

Property taxesest. at asking price, Duval County$857

HOAbilled annually$30

Estimated total, before insurance$3,600/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,170/yr · $514/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): $6,170/yr

Estimated taxes if purchased at asking price: ~$10,300/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, 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 1996)

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

Sewer (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,784 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 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.

History

Price & status history

Sep 6, 2026Active$525,000
Sep 2, 2026Listed$525,000

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

Features

Price$525,000

Price / Sq Ft$269

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,950

Acres0.15 acres

Year Built1996

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address13096 Quincy Bay Drive, Jacksonville, FL 32224

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionJohns Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size6,534 sq ft

Parcel Number1671310480

ZoningResidential

Amenities

AmenitiesPool, Playground

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, On Street

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)