This home is in Jacksonville — a waterfront home in Jacksonville.
Active·46 days on market
12430 Gentle Ben Court
Jacksonville, FL 32225
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Situated on a quiet cul-de-sac, this 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 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 newer windows, newer HVAC system and water heater, new sliding glass door, irrigation system, and water softener. The backyard offers a covered 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!
Next steps in 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.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 1989)
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: ~1,757 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 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
Kathryn Abbey Hanna Park (10 & 11)about 5 mi · 200 parking spaces
Closest park or preserve
Theodore Roosevelt Area and Fort Caroline (Timucuan Preserve)about 3 mi · 9.3 mi of trails
Closest public boat ramp
Fulton Road Unimproved Landingabout 3 mi · St. Johns River
Closest kayak & paddleboard launch
Dutton Island Park & Preserve – North Kayak Launchabout 3 mi · Pablo Creek
Closest youth league fields
Ed Austin Regional Parkabout 2 mi · Baseball, Softball, Soccer
Closest grocery store
Publixabout 1 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 | $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: ~$8,500/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
- Oct 14, 2026Price change$435,000−$15,000
- Sep 11, 2026Listed$450,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $229/sq ft; this home is listed at $219/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12421 Good Neighbor Trail, Jacksonville, FL 32225Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $359,000 | $204 | 3/2 | 1,762 | 74 | 0.1 |
| 1572 Mt Airy Court, Jacksonville, FL 32225Listed by 7 STAR REALTY, INC. | Oct 2026 | $280,000 | $160 | 3/2 | 1,752 | 31 | 0.3 |
| 992 Hyannis Port Drive, Jacksonville, FL 32225Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Sep 2026 | $360,000 | $229 | 3/2 | 1,572 | 176 | 0.4 |
| 1586 Crabapple Cove Court, Jacksonville, FL 32225Listed by ROCKNHOMES REALTY INC | Oct 2026 | $327,000 | $213 | 3/2 | 1,533 | 47 | 0.5 |
| 911 Mystic Harbor Drive, Jacksonville, FL 32225Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Oct 2026 | $386,500 | $265 | 3/2 | 1,456 | 7 | 0.6 |
| 1112 Dorwinion Drive, Jacksonville, FL 32225Listed by RIVER CITY RENTALS AND REALTY | Oct 2026 | $370,000 | $252 | 4/2 | 1,467 | 51 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE ELLISON GROUP
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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