This home is in Jacksonville — a waterfront home in Jacksonville.
$585,0003 bd · 2 ba · 2,348 sq ft
Active·7 days on market
12282 Captiva Bluff Road
Jacksonville, FL 32226
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
A nature lovers paradise. Enjoy fishing, boating, or kayaking from your own private dock or relaxing next to your heated screened-in pool. This lovely Oasis backs up to a nature preserve situated on large, fenced lot and features an open/ split floor plan, wood floors, crown molding, gas fireplace, French doors, an elegant Master Suite featuring a garden tub, walk-in shower and a generous walk-in closet, Touchless water faucets...and much more. Don't wait to schedule your appointment.
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 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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2002)
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: ~1,701 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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
Bluffs Scenic Trail, Big Talbot Island State Parkabout 8 mi · 35 parking spaces
Closest park or preserve
Reddie Point Preserveabout 5 mi · 1.2 mi of trails
Closest public boat ramp
New Berlin Public Boat Rampabout 5 mi · St. Johns River
Closest kayak & paddleboard launch
Reddie Point Preserve Canoe Accessabout 5 mi · St. Johns River
Closest youth league fields
Tom Marshall Parkabout 1 mi · Baseball, Football, Softball
Closest grocery store
Publixabout 0.5 mi · 12541 Yellow Bluff Rd, 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 6:41 AM, sunset 5:39 PM.
- A pool back here is the warmest in town and glitters in the evening.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,114/yr
Estimated taxes if purchased at asking price: ~$11,500/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 24, 2026Listed$585,000
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 $164/sq ft; this home is listed at $249/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12384 Cherry Bluff Drive, Jacksonville, FL 32218Listed by RE/MAX SPECIALISTS | Sep 2026 | $361,000 | $164 | 4/3 | 2,201 | 80 | 0.5 |
| 2611 Water Bluff Drive, Jacksonville, FL 32218Listed by LISA DUKE REALTY LLC | Sep 2026 | $392,900 | $169 | 3/2 | 2,318 | 103 | 0.5 |
| 12396 Hickory Forest Road, Jacksonville, FL 32226Listed by REALTY ONE GROUP ELEVATE | Oct 2026 | $332,000 | $160 | 3/2 | 2,074 | 103 | 0.7 |
| 12316 Hickory Forest Road, Jacksonville, FL 32226Listed by 1 PERCENT LISTS FIRST COAST | Oct 2026 | $285,000 | $152 | 3/2 | 1,874 | 16 | 0.7 |
| 12388 Hickory Forest Road, Jacksonville, FL 32226Listed by FADER & CO REALTY LLC | Oct 2026 | $386,500 | $132 | 5/2.5 | 2,919 | 1 | 0.7 |
| 2233 Lincoln Sendero Trail, Jacksonville, FL 32218Listed by PROPERTY SAGE REALTY LLC | Oct 2026 | $329,000 | $176 | 4/2 | 1,874 | 140 | 0.7 |
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: BEAR REALTY, INC.
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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