This home is in Wynnfield Lakes, Jacksonville — a waterfront home in Jacksonville.
Active·1 day on market·Wynnfield Lakes
12284 Raintree Lake Court
Jacksonville, FL 32246
2 more homes for sale in Wynnfield Lakes →Search Wynnfield Lakes on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Wynnfield Lakes
OVER $160,000 IN RENOVATIONS! Extensively updated and overlooking the water, this 4-bedroom, 3.5-bathroom home sits on a quiet cul-de-sac in Wynnfield Lakes. From its striking kitchen to its expanded outdoor living space, nearly every corner of this property has been thoughtfully improved. Inside, new luxury vinyl plank flooring, oversized baseboards, upgraded trim, and fresh paint create a bright, cohesive interior. The kitchen is the centerpiece of the home, featuring marble countertops, two large islands, including a waterfall-edge island, professionally refinished cabinetry, stainless steel appliances, and a walk-in pantry with custom cabinetry. Just beyond the kitchen are two separate dining areas and a spacious living room overlooking the backyard. The layout offers more than just four bedrooms. A private downstairs office provides a dedicated workspace, while an additional family room upstairs creates a second gathering area. The primary bedroom features two
Next steps in Wynnfield Lakes
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 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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2010)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,786 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 and league fields from this home's location.
Closest beach parking
Atlantic Blvd19 min drive · 50 parking spaces
Closest park or preserve
Dutton Island Preserve22 min drive · 1.2 mi of trails
Closest public boat ramp
Pottsburg Creek Public Boat Rampabout 5 mi · Pottsburg Creek
Closest kayak & paddleboard launch
Castaway Island Preserve Kayak Dockabout 4 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Wynnfield Lakes1 min drive · Soccer
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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): $8,220/yr
Estimated taxes if purchased at asking price: ~$12,700/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 16, 2026Listed$650,000
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 $216/sq ft; this home is listed at $203/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11751 Wynnfield Lakes Circle, Jacksonville, FL 32246Listed by JPAR CITY AND BEACH | Oct 2026 | $665,000 | $198 | 4/3.5 | 3,361 | 28 | 0.1 |
| 2171 Cavalry Boulevard, Jacksonville, FL 32246Listed by KELLER WILLIAMS ST JOHNS | Oct 2026 | $535,000 | $235 | 4/2 | 2,274 | 6 | 0.3 |
| 2119 Brighton Bay Trail W, Jacksonville, FL 32246Listed by US REALTY HUB | Jul 2026 | $525,000 | $207 | 4/2 | 2,537 | 70 | 0.5 |
| 2320 Chartley Lane N, Jacksonville, FL 32246Listed by MOMENTUM REALTY | Jul 2026 | $490,500 | $216 | 4/2 | 2,266 | 4 | 0.5 |
| 2691 Alexia Circle, Jacksonville, FL 32246Listed by REAL BROKER LLC | Aug 2026 | $518,000 | $224 | 4/2.5 | 2,309 | 67 | 0.6 |
| 1656 Hawkins Cove Drive E, Jacksonville, FL 32246Listed by SEFAIR INVESTMENTS, INC. | Sep 2026 | $400,000 | $115 | 6/4 | 3,479 | 24 | 0.8 |
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: MOMENTUM 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 Wynnfield Lakes
Wynnfield Lakes is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.
View all Wynnfield Lakes homes for sale →Keep looking
More homes in Wynnfield Lakes
For Sale12198 Wynnfield Lakes CircleJacksonville, FL 32246
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$495,000Est. $2,635/moSELLING AS-IS! Spacious 4-bedroom, 3-full-bath home in desirable Wynnfield Lakes! Prime Jacksonville location close to…
Listing Office: lokation
For Sale11965 Diamond Springs DriveJacksonville, FL 32246
4 bd · 2 ba · 2,059 sq ft
$435,000Est. $2,315/moThis move-in-ready home is centrally located in Wynnfield Lakes, close to shopping, restaurants, hospitals and the…
Listing Office: coldwell banker vanguard realty
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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.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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