This home is in Jacksonville.
Active·6 days on market
12926 Rubber Fig Terrace
Jacksonville, FL 32218
About this home
Jacksonville
Welcome to 12926 Rubber Fig Terrace, a 4 bedroom, 2 bath single story home located in The Arbors on Jacksonville's Northside. This community offers great amenities including a pool, fitness center, splash pad, and playground. The home features approximately 1,856 square feet with an open layout connecting the kitchen, dining area, and living room. The kitchen includes a large island, stainless steel appliances, modern cabinetry, and plenty of counter space. The Arbors is conveniently located just minutes from everyday shopping, dining, and major destinations. Enjoy being about 10 minutes from River City Marketplace, 5 minutes from Walmart, 20 minutes from Jacksonville International Airport, Costco, and Downtown Jacksonville. A great option for buyers looking for comfort, convenience, and community amenities in Jacksonville.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $8,262/yr
Estimated taxes if purchased at asking price: ~$7,000/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.
History
Price & status history
- Sep 14, 2026Listed$358,208
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: EXP REALTY LLC · yourrealtorleonardo@gmail.com
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.
Keep looking
More homes in The Arbors
Pending12058 Yew Tree RoadJacksonville, FL 32218
4 bd · 2.5 ba · 2,160 sq ft
$359,350Est. $1,913/moREADY NOW! Introducing the Elston+, a spacious two-story home offering 2,160 square feet of thoughtfully designed…
Listing Office: d r horton realty inc
For Sale12041 Yew Tree RoadJacksonville, FL 32218
4 bd · 2 ba · 1,774 sq ft
$359,850Est. $1,915/moThe Cali+ floor plan offers 1,774 square feet of thoughtfully designed living space with 4 bedrooms, 2 bathrooms, and a…
Listing Office: d r horton realty inc
For Sale12017 Yew Tree RoadJacksonville, FL 32218
4 bd · 2 ba · 1,774 sq ft
$359,850Est. $1,915/moThe Cali+ floor plan offers 1,774 square feet of thoughtfully designed living space with 4 bedrooms, 2 bathrooms, and a…
Listing Office: d r horton realty inc
For Sale12053 Yew Tree RoadJacksonville, FL 32218
4 bd · 2 ba · 1,774 sq ft
$359,850Est. $1,915/moThe Cali+ floor plan offers 1,774 square feet of thoughtfully designed living space with 4 bedrooms, 2 bathrooms, and a…
Listing Office: d r horton realty inc
Keep looking
Similar homes in Jacksonville
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