This home is in Kensington Gardens, Jacksonville — a waterfront home in Jacksonville.
Active·3 days on market·Kensington Gardens
12503 Grafton Court
Jacksonville, FL 32246
3 more homes for sale in Kensington Gardens →Search Kensington Gardens on the map
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About this home
Kensington Gardens
ROOF 2024 HVAC 2026 NEW IRRIGATION NEW FENCE Tucked at the end of a quiet cul-de-sac in Kensington, this 4 bedroom, 2 bath home also has a bonus room that works well as an office. The big items are already taken care of. The roof was replaced in 2024, the HVAC is brand new, and there is new irrigation in both the front and back yards. Inside you'll find fresh paint, kitchen with newer appliances and updated countertops, updated bathroom vanities, and vaulted ceilings in the kitchen and living room that bring in a lot of natural light. Out back, the new screened porch looks right out to the water, and the newly fenced area is only part of a very large backyard. Kensington has a low annual HOA and great amenities, including a community pool, tennis and volleyball courts, a playground, a gazebo, and sidewalks throughout. You're a short drive to the beaches and close to major shopping, highways, schools, and universities.
Next steps in Kensington Gardens
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: Shingle — 2024 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,644 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
19th Ave N22 min drive · 15 parking spaces
Closest park or preserve
Dutton Island Preserve16 min drive · 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
Castaway Island Preserve Kayak Dockabout 3 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Patton Park13 min drive · Soccer
Closest grocery store
Aldi5 min drive · 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): $4,925/yr
Estimated taxes if purchased at asking price: ~$9,100/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 21, 2026Active$465,000
- Oct 8, 2026Listed$465,000
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 $286/sq ft; this home is listed at $259/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2098 Forest Gate Drive E, Jacksonville, FL 32246Listed by DJ & LINDSEY REAL ESTATE | Oct 2026 | $545,000 | $266 | 4/2 | 2,052 | 4 | 0.6 |
| 12763 Caribou Court, Jacksonville, FL 32246Listed by KST GROUP LLC | Oct 2026 | $340,000 | $240 | 2/2 | 1,416 | 6 | 0.8 |
| 12183 Irwin Manor Drive, Jacksonville, FL 32246Listed by FLORIDA LIFESTYLES REALTY | Oct 2026 | $478,000 | $220 | 4/3 | 2,168 | 64 | 0.8 |
| 12887 Bentwater Drive, Jacksonville, FL 32246Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $420,000 | $286 | 3/2 | 1,469 | 29 | 0.8 |
| 12752 Costas Way, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $675,000 | $301 | 4/3 | 2,246 | 133 | 0.8 |
| 2950 Danube Drive, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $920,000 | $409 | 4/3 | 2,250 | 3 | 0.9 |
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
Exterior
Additional Information
Listing Courtesy of: COMPASS FLORIDA 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.
The neighborhood
About Kensington Gardens
Kensington Gardens is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.
View all Kensington Gardens homes for sale →Keep looking
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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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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines