PendingSingle Family Residence▼ Price cut: $15,000 (9/10)
$430,000
4-Bedroom Pool Home in Ashton Hills
12520 Bent Bay Trail, Jacksonville, FL 32224
Single Family Residence in Ashton Hills, Jacksonville · No CDD on record
Ashton Hills · Jacksonville, FL 32224 · Duval County
Listing data updated October 12, 2026 at 3:12 AM ET · checked against the MLS hourly
4Bedrooms
2Bathrooms
1,855Sq Ft
1997Year Built
$232Per Sq Ft
Private pool2-car garageNo CDD on record4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
in line with
$/sq ft vs community
$232 here vs $234 median sold (12 mo)
Buyer leverage
Seller-leaning
37 days on market
No active listings
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 12520 BENT BAY Trail in Ashton Hills, Jacksonville is listed at $430,000 (1,855 sq ft, about $232 per sq ft). That sits within a few percent of Ashton Hills's median closed sale of $430,000 over the last 12 months (7 recorded sales). It has been 37 days on market. Listing facts: built in 1997, a private pool, HOA dues of $18/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1997 · 29 yrs
1,855 sq ft of living area
2-car garage
37 days on market
HOA $18/mo (per listing)
Listing description
About this home
Beat the Florida heat in your own private backyard oasis! This 4-bedroom, 2-bath home features a sparkling in-ground pool surrounded by lush tropical landscaping and mature greenery, providing exceptional privacy and creating the perfect setting for weekend barbecues, family gatherings, or simply relaxing in your own secluded retreat. The glass-enclosed Florida room overlooks the backyard and provides the perfect place to enjoy your morning coffee or unwind after a swim.
Inside, you'll find a spacious, open floor plan designed to fit a variety of lifestyles. Multiple living areas provide flexibility for entertaining, working from home, or creating a formal dining space. Architectural details like arched walkways add warmth and character throughout, and the generously sized bedrooms provide plenty of room for family and guests.
Location is another standout feature. C
All 33 photos
Description provided by BEYCOME OF FLORIDA LLC and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$430,000
Bed / bath4 / 2
Living area1,855 sq ft
Year built1997
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #2162680
Listing statusPending
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~39 ft
CountyDuval
Area listings0 active · 2 under contract
Estimated first-year tax~$6,800/yr
CDD assessmentNone on record
HOA$18/mo
Calculated estimates
Price per sq ft$232
Estimated monthly payment$3,167
Insurance (illustrative)$2k–$4k/yr
Messtimate range$395,115 – $471,170
Comparable-sales median$430,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,167/mo
Principal & interest $2,382/mo75%
Taxes $567/mo18%
Insurance $200/mo6%
HOA $18/mo1%
$3,167/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Duval County rate (17.86 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $3,850/yr ($321/mo) — taxable value $215,773 × 17.86 mills
$2,950 more each year
(+77%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$178,260
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$394,033
Market value
$266,495
Assessed
$215,773
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Duval County Property Appraiser 2025 final millage chart; Duval County School Board FY2025-26 adopted millage. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$18/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~39 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Duval County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Duval County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively High
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveRelatively High
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Ashton Hills
Pricing & the Ashton Hills market
How this home is priced against recent nearby sales, and where Ashton Hills has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Ashton Hills
Each dot is a closed sale since 2006 (99 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $232/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Property timeline
This home’s history
1997BuiltPer public record
About Sep 2026Listed (per MLS)MLS reports 37 cumulative days on market as of October 12, 2026
Sep 2, 2026First seen on movewithmomentum.comObserved at $445,000
Sep 10, 2026Price cut$430,000 (-$15,000, -3.4%)
NowUnder contractCurrently pending
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $430,000Momentum Realty · on market 37 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Ashton Hills in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jun 2026
$430,000
12543 BENT BAY Trail, Jacksonville
3 / 2 bd/ba · 1,855 sq ft · $232/sq ft
Courtesy of WATSON REALTY CORP · View details →
Sold Oct 2026
$470,470
12561 BENT BAY Trail, Jacksonville
4 / 2 bd/ba · 1,855 sq ft · $254/sq ft
Courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · View details →
Sold Mar 2026
$399,000
12684 ASH HARBOR Drive, Jacksonville
3 / 2 bd/ba · 1,874 sq ft · $213/sq ft
Courtesy of CHAD AND SANDY REAL ESTATE GROUP · View details →
Sold May 2026
$440,000
12639 BENT BAY Trail, Jacksonville
3 / 2 bd/ba · 1,592 sq ft · $276/sq ft
Courtesy of UNITED REAL ESTATE GALLERY · View details →
Sold Aug 2026
$500,000
3159 ASH HARBOR Drive, Jacksonville
4 / 2.5 bd/ba · 2,136 sq ft · $234/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE · View details →
Sold Sep 2026
$365,000
12526 ASH HARBOR Drive, Jacksonville
4 / 2.5 bd/ba · 2,313 sq ft · $158/sq ft
Courtesy of MOXII PRO REALTY · View details →
Median of these 6 sales: $430,000 ($234/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$395,115the mess$471,170
Stronger local evidence — 6 comparable closed sales in Ashton Hills, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $430,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 19% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1997 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $18/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
This home: 37 days on market vs. a 27-day community median
0 active listings competing, 2 under contract
7 closed here in the last 12 months
For reference, this home is listed at $430,000 ($232/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,855 sq ft × $213–$254/sq ft (interquartile band of 6 comparable closed sales in Ashton Hills, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Scores
Momentum Property Score
61/100
Strongest on: Market liquidity (78), Pricing power (65)
0 limited50100 exceptional
61/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area52
This home $232/sq ft vs the community 12-month median $234/sq ft.
Affordability50
List price $430,000 vs the community median $430,000. Not a measure of personal affordability.
Market liquidity78
Community median 27 days on market (12-month record).
Pricing power65
Recent sales closed at about 95.0% of original asking (~5.0% below). More room below asking generally favors buyers.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 0.0 months of supply in the surrounding market and 37 days on market for this home, against a 27-day area median.Days on market:this home 37Area median: 27 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 10, 2026.
🟡 Asking $232 per square foot, about in line with the community’s $234 median. Ashton Hills’s 12-month median sold price per square foot is $234. Confidence: Low · 7 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
70% of homes in Ashton Hills are owner-occupied. An estimated 30% are non-owner-occupied, including 6% held in a company or trust and 11% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 109 homes matched. Community-level context.
Recent Ashton Hills sales closed near 95.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 10, 2026. Aggregates only; deemed reliable but not guaranteed.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by BEYCOME OF FLORIDA LLC · MLS # 2162680
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Keep looking
Similar homes for sale near Ashton Hills
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Market
St. Johns County denies 4,462-acre Palm Valley farmland housing application under new state enclave law
Commissioners denied 3-2 on Sept. 15 the 4,462-acre Palm Valley application near Nocatee under the state agricultural enclave law, and the county plans to fight it in court. Another proposal of nearly 1,200 acres and about 15,000 homes south of St. Augustine was approved in August, then denied 3-2 on Sept. 28. St. Johns County has received 16 applications under the law.
Why it matters: The outcome of these applications will shape how much new housing supply can be added on rural land in the county. The site is about 9 miles southeast of Ashton Hills.
Loretto Elementary breaks ground on $12.3 million classroom addition
The addition will replace 13 portable classrooms and two aging pod buildings with 15 classrooms, a music room and a teacher planning room, and will expand the parent drop-off loop. The school enrolls 875 students for 2026-27. Funding comes from the voter-approved half-cent sales tax, with opening expected in 2028.
Why it matters: Expanded permanent capacity and a longer drop-off loop affect school-area traffic and classroom availability in the Mandarin area. The project is about 9 miles southwest of Ashton Hills, elsewhere in Duval County.
JEA advances about $690 million in infrastructure projects including Fulton Cut transmission line raise near JAXPORT
JEA is moving forward with three water reclamation projects (Blacks Ford in northwest St. Johns County, over $220 million; near Jacksonville International Airport, about $193 million; East Arlington, just under $165 million) and the $117 million Fulton Cut transmission line clearance over the St. Johns River near Blount Island. Fulton Cut, shared with JAXPORT and the city, is expected to finish in summer 2027 and all four projects by 2030.
Why it matters: Raised power lines support larger ship access to port terminals, and new reclamation capacity supports growth in surrounding areas. The site is about 8 miles north of Ashton Hills.
Culinary Institute of America selects Jacksonville for Southeast campus
News4Jax reported that the Culinary Institute of America chose downtown Jacksonville for its Southeast hub, to be located at 330 E. Bay Street on the Northbank riverfront. The campus would anchor a $160.5 million hotel and convention center development. The city previously approved up to $35 million in incentives, and the Downtown Investment Authority is finalizing agreements on design and property details.
Why it matters: Anchors a major downtown riverfront redevelopment that pairs an educational campus with hotel and convention space, adding institutional and commercial investment to the urban core alongside Riverfront Plaza and Pearl Square. The project is about 10 miles west of Ashton Hills, elsewhere in Duval County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Duval County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Duval County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 12520 BENT BAY Trail, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1997 (29 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $18/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Duval County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 1,855 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $6,800/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,950 more per year than the current owner’s estimated bill (+77%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: October 12, 2026)
Comparable sales
realMLS closed sales in Ashton Hills, last 18 months, as of October 10, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 12520 BENT BAY Trail and when was it built?
Per the listing record, 12520 BENT BAY Trail was built in 1997 and has 1,855 sq ft of living area, 4 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 12520 BENT BAY Trail in?
12520 BENT BAY Trail is in Ashton Hills in Jacksonville, Duval County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 12520 BENT BAY Trail have an HOA, and how much are the dues?
The listing reports HOA dues of $18 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 12520 BENT BAY Trail differ from the current owner's?
The estimate on this page (about $6,800 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,950 more per year than the current owner’s estimated bill (+77%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 12520 BENT BAY Trail in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 12520 BENT BAY Trail in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
