This home is in Jacksonville — a waterfront home in Jacksonville.
Active·Listed today
12430 Gentle Ben Court
Jacksonville, FL 32225
About this home
Jacksonville
Situated on a quiet cul-de-sac, this thoughtfully updated home offers a blend of comfort, functionality, and quality improvements. The renovated bathrooms feature beautifully tiled showers and upgraded vanities with stone countertops. One of the four bedrooms has been thoughtfully converted into a spacious walk-in closet and dressing area with custom built-ins and enhanced storage. The kitchen features brand-new stainless steel appliances, soft-close cabinetry, and a functional layout. Additional updates include an improved HVAC system and water heater, new sliding glass door, irrigation system, and water softener. The backyard offers a paver patio, propane grill, and additional storage, creating an inviting space for outdoor dining and entertaining. A well-maintained property with extensive improvements, ready for its next owner.
Cost to own
Mortgage calculator
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $332,836 | $104,678 | — |
| 2024 | $333,186 | $100,880 | — |
| 2023 | $299,081 | $96,340 | — |
| 2022 | $265,210 | $96,433 | ▲ $13,469 |
| 2021 | $215,719 | $92,154 | — |
| 2020 | $209,921 | $90,185 | ▲ $13,120 |
Estimated taxes if purchased at asking price: ~$8,800/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 (2025), 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 — year not disclosed (home built 1989)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,757 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 homeThis 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 11, 2026Listed$450,000
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: THE ELLISON GROUP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
Open Houses
9/12/2026
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