12963 Palmetto Bluff Drive, Jacksonville, FL 32225
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 8, 2026, 12963 PALMETTO BLUFF Drive in Harbor Dunes, Jacksonville is listed at $629,000 (3,012 sq ft, about $209 per sq ft). It came to market within the past week. Listing facts: built in 2022, HOA dues of $55/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2022 · 4 yrs
- 3,012 sq ft of living area
- 2-car garage
- Active listing
- HOA $55/mo (per listing)
About this home
Incredible location!! This stunning 5-bed, 3-bath home is beautifully upgraded and offers a formal living/dining room, airy loft, LOW HOA, and NO CDD--all just minutes to the beach and Mayo Clinic and close to shopping, dining, entertainment, downtown Jacksonville and major highways. Step through the upgraded glass front door into a beautifully appointed interior with 9x72 luxury vinyl plank flooring, designer lighting, abundant windows providing tons of natural light, and exceptional storage throughout.
The beautiful gourmet kitchen boasts a quartz center island, crisp white cabinetry with crown molding, double ovens, upgraded Samsung refrigerator, cast iron Kohler sink, tile backsplash and a walk-in pantry with custom wood shelving and cabinetry. The open and inviting living room offers backyard views and an upgraded ceiling fan, while the elegant formal living/dining room creates a striking setting for entertaining with a stylish accent wall and electric fireplace. A spacious 1st-floor guest suite provides a comfortable retreat, with easy access to a full bathroom.
The elegant staircase with wood-look LVP treads and wrought-iron railings leads to spacious bedrooms and an airy loft/secondary family room. The oversized primary suite offer a ceiling fan, large walk-in wardrobe with custom closet system and luxurious en suite bath with dual-sink vanity, frameless tiled shower and relaxing garden tub. Secondary bedrooms are generously sized, each with its own ceiling fan.
Back downstairs, french doors open to an expansive screened lanai with modern tile flooring and an upgraded ceiling fan, an extended paver patio-perfect for morning coffee, evening cocktails and effortless entertaining year-round. The expansive, fully fenced backyard offers plenty of room to play, gather or create your own outdoor oasis, with ample space for a firepit or your dream pool. Additional highlights include a beautifully landscaped front yard, charming covered front porch with stone accent detailing, laundry room with sink, cabinetry and built-in wood shelving, under-the-stair storage, built-in drop zone with shelving, security sensors in all windows, indoor security cameras and WiFi irrigation system.
This is more than a home--it's a lifestyle defined by luxury, comfort, convenience and peace of mind.
All 43 photos
Description provided by REAL BROKER LLC and reproduced from the MLS; not independently verified.
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 $3,443/mo 76%
- Taxes $862/mo 19%
- Insurance $183/mo 4%
- HOA $55/mo 1%
$4,543/mo at 20% down, 30-yr @ 7.28% · 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.
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.
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
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.
This home’s history
- 2022BuiltPer public record
- Oct 8, 2026First seen on movewithmomentum.comObserved at $629,000
- 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
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 Harbor Dunes. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
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.
Methodology: the range would be 3,012 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 8, 2026.
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Listed by REAL BROKER LLC · MLS # 2168478
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Similar homes for sale near Harbor Dunes
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.
Newest listings in Harbor Dunes
- 5201 Atlantic Boulevard #106 · $117,000 · 2 bd / 2.0 ba · listed October 8, 2026 (courtesy of LISA DUKE REALTY LLC)
- 209 39th Avenue · $1,800,000 · 4 bd / 3.0 ba · listed October 8, 2026 (courtesy of FLORIDA HOMES REALTY & MTG LLC)
- 215 W Oliver Street · $185,000 · 2 bd / 1.0 ba · listed October 8, 2026 (courtesy of HAMILTON HOUSE REAL ESTATE GROUP, LLC)
- 14456 Amelia Cove Drive · $650,000 · 4 bd / 3.5 ba · listed October 8, 2026 (courtesy of FLORIDA HOMES REALTY & MTG LLC)
- 8290 Gate Parkway #152 · $165,000 · 2 bd / 2.0 ba · listed October 8, 2026 (courtesy of MORGAN PROPERTY MANAGEMENT)
- 13542 1st Street · $82,500 · 3 bd / 2.0 ba · listed October 8, 2026 (courtesy of FLORIDA HOMES REALTY & MTG LLC)
Recently off market in Harbor Dunes
- 12951 Palmetto Bluff Drive · last listed $487,500 · 2026-09-12
Every home on Palmetto Bluff Drive: what is for sale, what sold and when, the homes and the communities along it.
Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings
More on Harbor Dunes
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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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. 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 12963 PALMETTO BLUFF Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $55/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.
- Listed living area is 3,012 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 $10,350/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,225 more per year than the current owner’s estimated bill (+45%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: October 8, 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.
Frequently asked questions
How big is 12963 PALMETTO BLUFF Drive and when was it built?
Per the listing record, 12963 PALMETTO BLUFF Drive was built in 2022 and has 3,012 sq ft of living area, 5 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 12963 PALMETTO BLUFF Drive in?
12963 PALMETTO BLUFF Drive is in Harbor Dunes 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 12963 PALMETTO BLUFF Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $55 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 12963 PALMETTO BLUFF Drive differ from the current owner's?
The estimate on this page (about $10,350 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,225 more per year than the current owner’s estimated bill (+45%). 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 12963 PALMETTO BLUFF Drive 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 12963 PALMETTO BLUFF Drive in person
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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.
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. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.