This home is in Jacksonville — a waterfront home in Jacksonville.
$395,000Sold4 bd · 2 ba · 1,703 sq ft
Sold·Closed Oct 23, 2026·11 days on market·Recent sales in Jacksonville
12075 Foal Lane
Jacksonville, FL 32246
About this home
Jacksonville
Lake Views, Modern Upgrades, and Florida Living at Its Finest! This beautifully updated 4BR/2BA home perfectly blends modern convenience with a serene, relaxed lifestyle. Situated just minutes from the beach, premium shopping, and local dining favorites, this property offers the ultimate Northeast Florida location.Step inside to an expansive, light-filled floor plan featuring high ceilings and sleek, low-maintenance flooring that is perfect for coastal living. The heart of the home is a spacious family room anchored by a cozy gas fireplace, creating a warm and inviting ambiance for gatherings or quiet evenings. The kitchen is a chef's delight, fully equipped with newer appliances, ample counter space, and stylish finishes. Retreat to the primary suite and utilize the other three bedrooms for family, guests, a dedicated home office, or flex space. Newer Roof (2022) and Appliances (2023). Schedule your tour today!
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 (that applies to the reference bill above too).
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 — 2022 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,728 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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
19th Ave Nabout 7 mi · 15 parking spaces
Closest park or preserve
Dutton Island Preserveabout 5 mi · 1.2 mi of trails
Closest public boat ramp
Pottsburg Creek Public Boat Rampabout 4 mi · Pottsburg Creek
Closest kayak & paddleboard launch
Castaway Island Preserve Kayak Dockabout 4 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Huffman Boulevard Parkabout 0.4 mi · Soccer
Closest grocery store
Walmart Supercenterabout 1 mi · 11900 Atlantic Boulevard, 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 |
|---|---|---|---|
| 2026 | $364,981 | $311,229 | — |
2025 property taxes (current owner): $5,912/yr
Estimated taxes if purchased at asking price: ~$7,800/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 3,601 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
History
Price & status history
- Oct 23, 2026Closed$403,000
- Oct 18, 2026Pending$403,000
- Oct 7, 2026Active Under Contract$403,000
- Oct 2, 2026Price change$403,000−$10,367
- Sep 26, 2026Active$413,367
- Sep 10, 2026Listed$413,367
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 $220/sq ft; this home is listed at $232/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2637 Dalmation Lane E, Jacksonville, FL 32246Listed by MOMENTUM REALTY | Oct 2026 | $390,000 | $213 | 3/2 | 1,835 | 2 | 0.1 |
| 12029 Cavalry Court, Jacksonville, FL 32246Listed by REALTY ONE GROUP ELEVATE | Sep 2026 | $524,900 | $249 | 3/2 | 2,104 | 42 | 0.3 |
| 2500 Cedar Trace Drive W, Jacksonville, FL 32246Listed by ANCHORED REAL ESTATE GROUP LLC | Oct 2026 | $475,000 | $257 | 3/2 | 1,850 | 17 | 0.5 |
| 12183 Irwin Manor Drive, Jacksonville, FL 32246Listed by FLORIDA LIFESTYLES REALTY | Oct 2026 | $478,000 | $220 | 4/3 | 2,168 | 64 | 0.7 |
| 1824 Hawkins Cove Drive W, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $400,000 | $216 | 3/2 | 1,850 | 31 | 0.9 |
| 1977 Millington Lane, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $315,000 | $166 | 3/2 | 1,893 | 62 | 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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Sold by: KELLER WILLIAMS ST JOHNS (buyer's brokerage)
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 23, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines