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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Wells Creek, Jacksonville — a home near Atlantic Coast High School.

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Active

Active·Listed today·Wells Creek

12059 Nogoya Street

Jacksonville, FL 32256

$400,000$289/sqftEst. $2,135/moMLS# 2166475
Open house Sat, Sep 26 · 12:00 pm–2:00 pm
3
Beds
2
Baths
1,382
Sq Ft
2020
Built
2
Garage
No
Pool
HOA $83/mo4,792 sqft lotSingle Family Residence1 story

About this home

Wells Creek

3BR/2BA updated single-story home built 2020 in Wells Creek! This meticulously maintained Barron floor plan in the highly desirable Wells Creek community was built in 2020 and is a must see! The functional open layout features upgraded appointments such as LVP flooring, designer walls, custom built-in closets, upgraded light fixtures, and more! The chef's kitchen opens to the main living area making it ideal for entertaining and includes a large island, quartz counters, gas range, custom backsplash, built-in pantry, and stainless steel appliances (that all convey!). Outside you'll find a fully fenced backyard with a spacious screened lanai, pavered patio, and gutters! Wells Creek offers resort-style amenities including a saltwater pool, pavilion, dog park, playground, and green space plus easy access to major highways--all with NO CDD fee!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$2,135
Property taxesest. at asking price, Duval County$653
HOAbilled quarterly$83
Estimated total, before insurance$2,872/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,139/yr · $428/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$400,000
$80,000
Loan Term
Monthly Payment
$2,135
Principal & Interest: $2,135
Property taxes (est.): $653
Insurance (est.): $267
Estimated Total Monthly
$3,055
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 2020)

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

Solar potential: ~1,582 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

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): $5,139/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 3,305 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 25, 2026Active$400,000
  • Sep 24, 2026Listed$400,000

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

Features

Price$400,000
Price / Sq Ft$289
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,382
Acres0.11 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman, Ranch
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

Community Information

Address12059 Nogoya Street, Jacksonville, FL 32256
Area028-Bayard
SubdivisionWells Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Lot Size4,791.6 sq ft
Parcel Number1681243075
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Jogging Path, Park, Playground
Community FeaturesSidewalks, Suburban, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Freezer, Gas Cooktop, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Lower Level, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch, Screened
FencingFenced, Back Yard, Privacy, Vinyl
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 25, 2026
Days on Market0
HOA Fees$249 / Quarterly
HOA FrequencyQuarterly
Tax Amount$5,138.59
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

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.

The neighborhood

About Wells Creek

Wells Creek is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.

View all Wells Creek homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

9/26/2026

12:00 pm - 2:00 pm