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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 Jacksonville.

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Active

$390,0004 bd · 2.5 ba · 2,745 sq ft

Active·45 days on market

12766 Chandlers Crossing Lane

Jacksonville, FL 32226

$390,000$142/sqftEst. $2,126/mo mortgageMLS# 2166594
↓ $25,000 below original list
4
Beds
2.5
Baths
2,745
Sq Ft
2017
Built
2
Garage
No
Pool
FEMA Zone XHOA $38/mo5,227 sqft lotSingle Family Residence2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

SPACE, LOCATION & EVERYDAY CONVENIENCE — ALL IN ONE! Welcome to 12766 Chandlers Crossing Lane, where incredible square footage meets a location designed for the way you actually live. This spacious 4-bedroom, 3-bath home offers room to spread out while keeping you remarkably close to the best of Jacksonville. Need to grab groceries or meet friends for dinner? You can walk to nearby restaurants and a local grocery store, making everyday errands and nights out incredibly convenient. And when you want to explore beyond the neighborhood, you're just a short drive from the airport, dinner or work downtown, EverBank Stadium, the beaches and St. John's Town Center. Inside, you'll find an impressive amount of living space with a thoughtful layout and plenty of room for entertaining, relaxing and everyday life. With 4 bedrooms and 3 full baths, there's flexibility for family, guests, a home office or whatever your lifestyle requires. If you've been searching for a home that gives you the sp

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,126
Property taxesest. at asking price, Duval County$637
HOAbilled annually$38
Estimated total, before insurance$2,801/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$390,000
$78,000
Loan Term
Monthly Payment
$2,126
Principal & Interest: $2,126
Property taxes (est.): $637
Insurance (est.): $260
Estimated Total Monthly
$3,023
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 2017)

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

Solar potential: ~1,738 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.

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

YearMarket valueTaxable valueChange
2025$303,292$0—
2024$321,549$0—
2023$329,657$0—
2022$327,701$196,329▲ $35,887
2021$243,387$189,155—
2020$235,854$185,854▲ $5,407

2025 property taxes (current owner): $384/yr

Estimated taxes if purchased at asking price: ~$7,600/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

  • Nov 10, 2026Price change$390,000−$9,000
  • Oct 4, 2026Price change$399,000−$16,000
  • Sep 25, 2026Listed$415,000

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 $154/sq ft; this home is listed at $142/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3355 Hickory Leaf Court, Jacksonville, FL 32226Listed by SELECT REALTY LLCNov 2026$395,000$1414/2.52,808720.6
12396 Hickory Forest Road, Jacksonville, FL 32226Listed by REALTY ONE GROUP ELEVATEOct 2026$332,000$1603/22,0741030.6
12388 Hickory Forest Road, Jacksonville, FL 32226Listed by FADER & CO REALTY LLCOct 2026$386,500$1325/2.52,91910.6
3323 Hickory Leaf Court, Jacksonville, FL 32226Listed by WATSON REALTY CORPOct 2026$368,000$1563/2.52,356740.6
3428 Glenn Hollow Court, Jacksonville, FL 32226Listed by LOKATIONSep 2026$325,000$1474/2.52,215180.6
12333 Glenn Hollow Drive, Jacksonville, FL 32226Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYOct 2026$299,000$1543/21,940210.7

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

Price$390,000
Price / Sq Ft$142
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,745
Acres0.12 acres
Year Built2017
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryNew Berlin
MiddleOceanway
HighFirst Coast

Community Information

Address12766 Chandlers Crossing Lane, Jacksonville, FL 32226
Area096-Ft George/Blount Island/Cedar Point
SubdivisionChandlers Crossing
CityJacksonville
CountyDuval
StateFL
Zip Code32226
Lot Size5,227.2 sq ft
Parcel Number1065787450

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s)
AppliancesElectric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Patio / PorchFront Porch, Patio
RoofShingle
ConstructionStucco, Vinyl Siding
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 25, 2026
Days on Market45
HOA Fees$450 / Annually
HOA FrequencyAnnually
Tax Amount$384
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FERNANDINA BEACH 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.

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