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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 — a pool home in Jacksonville.

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Active

Active·1 day on market

12362 Shore Acres Drive

Jacksonville, FL 32225

$399,000$250/sqftEst. $2,193/mo mortgageMLS# 2170760
3
Beds
2
Baths
1,594
Sq Ft
1999
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $22/mo6,970 sqft lotSingle Family Residence1 story

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

About this home

Jacksonville

Come fall in love with this great pool/spa home! Beautiful new tile and freshly painted pool and spa just waiting for you! All brick veneer for low maintenance. Kitchen with all new appliances, new deep sink and faucet. Breakfast nook and breakfast bar! Pantry offers extra storage. Bonus room at front of home offers many uses. Perhaps as a formal dining room, living room, bonus room, office or game room. Take your pick! Great room with corner fireplace for those chilly nights. Newer French doors offer a great view of the gleaming pool & spa! Main suite is spacious with new carpet & two windows for extra light. Main bath offers a garden tub, separate shower, walk in closet, vanity area & private toilet area with a linen closet. Second bedroom has new carpet. Third bedroom offers a walk-in closet and overlooks the pool area & nicely landscaped backyard. The indoor laundry room comes with a washer & dryer. New toilets, faucets and sinks! All this & more waiting for you!

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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 · 7.32% · 30yr$2,193
Property taxesest. at asking price, Duval County$652
HOAbilled annually$22
Estimated total, before insurance$2,866/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,672/yr · $556/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$399,000
$79,800
Loan Term
Monthly Payment
$2,193
Principal & Interest: $2,193
Property taxes (est.): $652
Insurance (est.): $266
Estimated Total Monthly
$3,110
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1999)

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

Solar potential: ~1,735 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 home

As 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.

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): $6,672/yr

Estimated taxes if purchased at asking price: ~$7,800/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 23, 2026Listed$399,000

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 $245/sq ft; this home is listed at $250/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
911 Mystic Harbor Drive, Jacksonville, FL 32225Listed by LA ROSA REALTY NORTH FLORIDA, LLC.Oct 2026$386,500$2653/21,45670.1
374 Hickory Hollow Drive N, Jacksonville, FL 32225Listed by DJ & LINDSEY REAL ESTATESep 2026$356,000$2434/21,4681320.5
12415 Silent Brook Trail N, Jacksonville, FL 32225Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$320,000$2453/2.51,30430.5
1572 Mt Airy Court, Jacksonville, FL 32225Listed by 7 STAR REALTY, INC.Oct 2026$280,000$1603/21,752310.7
1112 Dorwinion Drive, Jacksonville, FL 32225Listed by RIVER CITY RENTALS AND REALTYOct 2026$370,000$2524/21,467510.8
318 Candlebark Drive, Jacksonville, FL 32225Listed by SOVEREIGN REAL ESTATE GROUPOct 2026$342,500$1934/21,778240.9

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

Price$399,000
Price / Sq Ft$250
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,594
Total Structure Area2,086 sq ft
Acres0.16 acres
Year Built1999
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Pool Sweep
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementarySabal Palm, reported on 14 other Harbor Winds listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address12362 Shore Acres Drive, Jacksonville, FL 32225
Area043-Intracoastal West-North Of Atlantic Blvd
SubdivisionHarbor Winds
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size6,969.6 sq ft
Lot Dimensions62 x 108
Parcel Number1622061430
ZoningResidential

Amenities

Community FeaturesSidewalks, Street Lights
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit
Spa FeaturesIn Ground

Exterior

Patio / PorchCovered, Patio
FencingFenced, Back Yard, Wood
RoofShingle
ConstructionBrick Veneer
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 24, 2026
Days on Market0
HOA Fees$267.4 / Annually
HOA FrequencyAnnually
HOA NameHarbor Winds HOA
Tax Amount$6,671.71
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THE LEGENDS OF REAL ESTATE

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.

Your Local Realtor

Krista Fracke - Broker Associate

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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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines