Single Family Residence in St Johns Bluff Est, Jacksonville · No CDD on record
St Johns Bluff Est · Jacksonville, FL 32225 · Duval County
Listing data updated October 12, 2026 at 3:27 AM ET · checked against the MLS hourly
7Bedrooms
6.5Bathrooms
8,476Sq Ft
1986Year Built
$929Per Sq Ft
WaterfrontPrivate pool4-car garageNo CDD on record7 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.
Buyer leverage
Buyer advantage
40 days on market
24.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$36k–$74k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 12827 FT CAROLINE Road in St Johns Bluff Est, Jacksonville is listed at $7,875,000 (8,476 sq ft, about $929 per sq ft). It has been 40 days on market. Listing facts: built in 1986, a private pool, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1986 · 40 yrs
8,476 sq ft of living area
4-car garage
40 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Panoramic views from this riverfront BLUFF Masterpiece, with rare DEEP water with effortless access to the Atlantic Ocean. This high elevation home and property has been comprehensively & meticulously renovated, the tranquility and security of 1.53 acres of gated elegance. This iconic riverfront estate offers an unparalleled lifestyle of privacy, space and the serenity of nature.
Perfectly blending luxury living with the expanse of natural surroundings, you can entertain, relax, or simply embrace prime waterfront with privacy and peace of mind. The gated drive leads to the gorgeous, stately brick home and room to enjoy the best that waterfront living has to offer. Natural slate stone roof.
Marble & wood flooring, massive vaulted ceilings, state of the art kitchen, office & primary bedroom on first floor, and amazing dock with covered pavilion to enhance your waterfront lifestyle & fully functional dockhouse. Centerpiece pool, hot tub and koi pond. Surrounded by miles of nature trails.
Classic brick architecture, mature landscaping, and multiple outdoor living spaces create a private waterfront retreat overlooking the St. Johns River. A screened pool raised brick spa with cascading waterfall, expansive balcony, and generous seating areas offer inviting spaces for relaxing or entertaining while taking in sweeping river views and enjoying the frequent frolicking of dolphin pods.
Inside, a dramatic staircase, polished stone flooring, soaring ceilings, and an open second-floor gallery create an elegant sense of scale. The formal dining area flows into a beautifully appointed kitchen featuring snow white cabinetry, stone countertops, dark hardwood floors, a large center island with Chef's Kitchen gas range, double wall ovens, and an oversized refrigerator. The adjoining morning room and built-in bar are filled with natural light and frame views of the pool and river.
The primary bath offers a spa-like escape with a soaking tub overlooking the water, walk-in shower, stone finishes and a private balcony access to enjoy the vibrant river experience. Outdoors, the screened pool area provides expansive river views while the private dock and air-conditioned boathouse extend the living space directly onto the water. Additional features includes a cedar paneled sauna, 48 KW whole-house generator, a four-car climate-controlled garage and an electronic gated security fence.
Complete with multiple seating area including a covered pavilion, the boathouse and dock create an exceptional setting for boating, entertaining or simply relaxing to enjoy the river lifestyle. Centrally and conveniently located to all of the vital amenities of Jacksonville living. Jacksonville's ever expanding downtown and the multitude of sports venues, Ocean access, both private and international airports, country club golfing, and fine or casual dining all compliment this remarkable, private estate that combines resort-style amenities, abundant wildlife, and the very best of luxury Florida waterfront living.
All 36 photos
Description provided by WATSON REALTY CORP 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$7,875,000
Bed / bath7 / 6.5
Living area8,476 sq ft
Year built1986
Property typeSingle Family Residence
Garage4-car
PoolYes
MLS #2162899
Listing status40 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~47 ft
CountyDuval
Area listings2 active · 0 under contract
Estimated first-year tax~$139,800/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$929
Estimated monthly payment$59,542
Insurance (illustrative)$36k–$74k/yr
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
$59,542/mo
Principal & interest $43,620/mo73%
Taxes $11,650/mo20%
Insurance $4,272/mo7%
$59,542/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 $26,675/yr ($2,223/mo) — taxable value $1,492,923 × 17.86 mills
$113,125 more each year
(+424%)
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
$1,986,622
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.
$3,479,545
Market value
$1,543,645
Assessed
$1,492,923
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)
$36k–$74k/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
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
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
~47 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 · St Johns Bluff Est
Pricing & the St Johns Bluff Est market
How this home is priced against recent nearby sales, and where St Johns Bluff Est has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in St Johns Bluff Est
Each dot is a closed sale since 2003 (32 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, 2013–2019. This home lists at $929/sq ft.
Median sale price by year
12-month median closed price, 2013–2019.
Property timeline
This home’s history
1986BuiltPer public record
About Sep 2026Listed (per MLS)MLS reports 40 cumulative days on market as of October 12, 2026
Sep 2, 2026First seen on movewithmomentum.comObserved at $7,875,000
NowActiveCurrently for sale
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 $7,875,000Momentum Realty · on market 40 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Duval County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for St Johns Bluff Est. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate™
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Duval County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 8,476 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 24.0 months of supply in the surrounding market and 40 days on market for this home, against a 85-day area median.Days on market:this home 40Area median: 85 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.
74% of homes in St Johns Bluff Est are owner-occupied. An estimated 26% are non-owner-occupied, including 12% held in a company or trust and 4% 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), 164 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in St Johns Bluff Est, no CDD assessment.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by WATSON REALTY CORP · MLS # 2162899
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Keep looking
Similar homes for sale near St Johns Bluff Est
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 · Retail Dining
Council committee defers vote on incentives for Downtown Publix at 119 W. Beaver St.
The Finance Committee deferred a $49.65 million incentive package for Gateway Jax's $140.15 million high-rise anchored by a Publix at 119 W. Beaver St. The tower is planned with 259 apartments and about 400 parking spaces. The committee is scheduled to revisit the bill Nov. 4, the day after the Amendment 3 vote.
Why it matters: The timing of the first full-size grocery store in the Downtown core depends on the incentive vote, affecting nearby retail access. The project is about 11 miles west of St Johns Bluff Est, 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 1 mile west of St Johns Bluff Est.
Gateway Jax seeks more than $70 million in city incentives for Riverfront Plaza tower and Hotel Merrydelle
Gateway Jax is requesting about $55.4 million in incentives for a 17-story, roughly $271.5 million Riverfront Plaza tower with 130 to 170 hotel rooms and 50 to 150 residences on Independent Drive. It also seeks a $15 million loan for the nearly $50 million renovation of the former Ambassador Hotel at 420 Julia Street. The Downtown Investment Authority board votes Sept. 16 and City Council has the final say.
Why it matters: If approved, the projects would add hotel rooms, residences and restaurants along the Downtown riverfront. The project is about 11 miles southwest of St Johns Bluff Est, elsewhere in Duval County.
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 11 miles southwest of St Johns Bluff Est, 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 12827 FT CAROLINE Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1986 (40 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
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.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 8,476 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 $139,800/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $113,125 more per year than the current owner’s estimated bill (+424%). 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
Fewer than 3 defensible closed sales within about 10 miles in Duval County — no medians or automated estimate shown
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 12827 FT CAROLINE Road and when was it built?
Per the listing record, 12827 FT CAROLINE Road was built in 1986 and has 8,476 sq ft of living area, 7 bedrooms and 6.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 12827 FT CAROLINE Road in?
12827 FT CAROLINE Road is in St Johns Bluff Est in Jacksonville, Duval County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 12827 FT CAROLINE Road have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 12827 FT CAROLINE Road differ from the current owner's?
The estimate on this page (about $139,800 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $113,125 more per year than the current owner’s estimated bill (+424%). 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 12827 FT CAROLINE Road 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 12827 FT CAROLINE Road 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.
