12827 Ft Caroline Road, Jacksonville, FL 32225
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
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). That is 2163% above St Johns Bluff Est's median closed sale of $348,000 over the last 12 months (33 recorded sales). Per square foot it is above the community's recent $201/sq ft by about 362%. It has been listed Sep 3, 2026, longer than the community's typical 23 days to contract. 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
- Listed at $7,875,000 — recent neighborhood median sale price ~$348,000 (nearby sales; deemed reliable, not an appraisal)
- listed Sep 3, 2026
- No HOA reported by the listing (confirm)
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.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Directional estimate — built from 3 comparable closed sales within about 10 miles in Duval County (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,794 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.7% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-02.
Actual list price: $7,875,000 ($929/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
- Condition & updates — a 1986 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
- The lot — this listing is waterfront; water frontage is priced far off nearby averages.
- The pool — a private pool carries cost and value the model only sees through the comps.
- Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: listed Sep 3, 2026 on market vs. a 23-day community median
- 108 active listings competing, 34 under contract
- ≈7.0 months of supply
- 60 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (3) + tax-roll just value × local sale-to-roll ratio (5 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 2, 2026.
Comparable recent sales
3 closed sales within about 10 miles in Duval County 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.
Median of these 3 sales: $348,000 ($201/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.
Every fact, sourced
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $42,934/mo 73%
- Taxes $11,650/mo 20%
- Insurance $4,272/mo 7%
$58,857/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty 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.
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.
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.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
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.
What it really costs to own 12827 Ft Caroline Road
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $26,675/yr (certified county roll, taxable value × millage). Buy at the asking price of $7,875,000 and the first-year bill resets to about $139,800/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 17.86 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | The listing states there is no HOA. |
| Home and flood insurance | The average Citizens Property Insurance premium in Duval County is $1,315/yr (2,001 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $36,000–$74,500/yr; neither is a quote. |
| Roof and age | Built in 1986. An original roof would be about 40 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $11,760/month (tax $11,650, insurance $110). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
County hazard risk ratings (FEMA National Risk Index, county level)
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.
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.
Internet & broadband — how to check availability for this address
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the San Jose market
How this home is priced against recent nearby sales, and where San Jose 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 San Jose
Each dot is a closed sale since 2001 (1351 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 $929/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 51 (normal).
This home’s history
- 1986BuiltPer public record
- About Sep 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Sep 2, 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.
Price & listing history
Building permits
Momentum Property Score
32/100 is limited 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.
Coverage: 5 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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 7.0 months of supply in the surrounding market and 60 days on market for this home, against a 23-day area median.Days on market:this home 60Area median: 23 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 August 23, 2026.
🟡 Asking $929 per square foot, about 362% above the community’s $201 median. San Jose’s 12-month median sold price per square foot is $201. Median sold price per square foot is down 9.0% year over year. Confidence: Very High · 33 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.
73% of homes in San Jose are owner-occupied. An estimated 27% are non-owner-occupied, including 16% held in a company or trust and 3% 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), 557 homes matched. Community-level context.
Recent San Jose sales closed near 95.8% 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 August 23, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2377 active listings in San Jose, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 2, 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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More on St Johns Bluff Est
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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.
Assigned schools
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.
See schools in the St Johns Bluff Est guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
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.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: November 2, 2026) |
| Comparable sales | realMLS closed sales within about 10 miles in Duval County, last 18 months, as of August 23, 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.
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. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
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.
See 12827 FT CAROLINE Road in person
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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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
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.
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.