This home is in Jacksonville.
Active·8 days on market
12577 Russian Olive Road
Jacksonville, FL 32218
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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
Why wait for new construction when you can move right in? This beautifully cared for 3-bedroom, 2-bath home in The Arbors offers a freshly painted interior, peaceful pond views with a fountain, and no neighbors behind you. The home is also still under builder warranty, adding extra peace of mind for the next owner. Step inside to high ceilings, abundant natural light, and a bright open-concept floor plan that feels spacious and inviting. The kitchen features ample cabinetry, generous counter space, a large kitchen island, and a spacious pantry. The split-bedroom layout provides added privacy, with a comfortable primary suite featuring a walk-in closet and en-suite bath, plus two additional bedrooms ideal for guests, family, or a home office. Step outside and enjoy the relaxing waterfront setting from your backyard, complete with a lighted 10x13 gazebo and concrete patio area... perfect for morning coffee, grilling, or unwinding at the end of the day.
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 2023)
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 October 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2024 | $235,883 | $185,883 | ▲ $8,848 |
| 2023 | $50,000 | $50,000 | — |
2025 property taxes (current owner): $6,963/yr
Estimated taxes if purchased at asking price: ~$5,900/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 (2024), NEFMLS.
History
Price & status history
- Oct 2, 2026Listed$299,950
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 $200/sq ft; this home is listed at $185/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12517 Russian Olive Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INC | Sep 2026 | $349,900 | $188 | 4/2 | 1,862 | 11 | 0.1 |
| 12511 Russian Olive Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INC | Sep 2026 | $327,950 | $204 | 4/2 | 1,609 | 35 | 0.1 |
| 4017 Chihuahua Court, Jacksonville, FL 32218Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Sep 2026 | $305,000 | $189 | 3/2 | 1,618 | 25 | 0.1 |
| 12455 Russian Olive Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INC | Sep 2026 | $350,000 | $188 | 4/2 | 1,862 | 106 | 0.2 |
| 12463 Russian Olive Road, Jacksonville, FL 32218Listed by D R HORTON REALTY INC | Aug 2026 | $331,500 | $200 | 5/2 | 1,657 | 94 | 0.2 |
| 4161 Sitka Pine Circle, Jacksonville, FL 32218Listed by D R HORTON REALTY INC | Sep 2026 | $354,350 | $200 | 4/2 | 1,774 | 61 | 0.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA
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
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
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines