This home is in Jacksonville — a waterfront home in Jacksonville.
Active·10 days on market
12559 Lazy Meadow Drive S
Jacksonville, FL 32225
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Enjoy peaceful lakefront living in this single-story, four-bedroom, two-bath brick home offers 2,060 heated square feet on an approximately 0.52-acre waterfront lot. Inside, discover comfortable living spaces, a nonoperational fireplace, updated flooring, and inviting views of the lake. The flexible four-bedroom layout provides space for guests, a home office, or hobbies. Outside, a generous lawn leads toward the water, while a patio and fire-pit gathering area create a relaxing setting to enjoy the scenery. The attached garage adds everyday convenience. Located in an established Jacksonville neighborhood, this home offers a wonderful opportunity to enjoy nature and waterfront living close to city amenities. Experience the view for yourself.
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).
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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: material not specified — year not disclosed (home built 1989)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,729 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 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.
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
Atlantic Blvdabout 5 mi · 50 parking spaces
Closest park or preserve
Dutton Island Preserveabout 3 mi · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 4 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Dutton Island Park & Preserve – South Kayak Launchabout 3 mi · Pablo Creek
Closest youth league fields
Wynnfield Lakesabout 1 mi · Soccer
Closest grocery store
Aldiabout 0.6 mi · 12777 Atlantic Blvd., 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
2025 property taxes (current owner): $3,870/yr
Estimated taxes if purchased at asking price: ~$9,800/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
- Oct 14, 2026Listed$499,000
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 $238/sq ft; this home is listed at $242/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 374 Hickory Hollow Drive N, Jacksonville, FL 32225Listed by DJ & LINDSEY REAL ESTATE | Sep 2026 | $356,000 | $243 | 4/2 | 1,468 | 132 | 0.4 |
| 12258 Scotts Cove Trail, Jacksonville, FL 32225Listed by KELLER WILLIAMS ST JOHNS | Oct 2026 | $465,500 | $217 | 4/2 | 2,145 | 1 | 0.5 |
| 13020 Medford Lane, Jacksonville, FL 32225Listed by MOMENTUM REALTY | Sep 2026 | $349,000 | $238 | 3/2 | 1,464 | 28 | 0.7 |
| 13130 Everett Court E, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $340,000 | $228 | 3/2 | 1,488 | 18 | 0.8 |
| 318 Candlebark Drive, Jacksonville, FL 32225Listed by SOVEREIGN REAL ESTATE GROUP | Oct 2026 | $342,500 | $193 | 4/2 | 1,778 | 24 | 1 |
| 911 Mystic Harbor Drive, Jacksonville, FL 32225Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Oct 2026 | $386,500 | $265 | 3/2 | 1,456 | 7 | 1 |
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
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: SAVVY AVENUE, LLC.
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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Krista Fracke
Broker Associate
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