FEMA Zone X — flood insurance generally not federally required
Built 2022 · 4 yrs
$222/sq ft — below the area median of $226
46 days on market
HOA ~$50/mo (estimate; confirm)
Listing facts & disclosures
$544,900
List price
As listed in the MLS
4 / 2.5
Bed / bath
Per the listing
2,452
Living area
Sq ft (approx.)
$222
Price / sq ft
List ÷ living area
The home
Year built2022
Per public record.
Lot sizeSee record
Approximate; verify with survey.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$6,212/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
Listing description
About this home
4BR/2.5BA plus office waterfront in Wells Creek! This beautifully maintained Willow floor plan in the highly desirable Wells Creek community was built in 2022 and offers modern style with peaceful pond views! The open-concept layout features luxury vinyl plank flooring and an ex...
Description provided by COLDWELL BANKER VANGUARD REALTY and reproduced from the MLS; not independently verified.
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$3,568
Principal & interest$2,842
Property tax$518
Insurance$158
CDD assessment$0
HOA$50
PMI$0
Down payment $108,980 · Loan $435,920. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$6,212/yr
The seller likely pays less due to the homestead cap. At a $544,900 purchase, expect your first full-year Duval bill near $6,212 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$1,900/yr
Estimate for a 2022 build in Duval. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~20 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Wells Creek
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Wells Creek neighborhood guide for more.
Comparable sales found
4
Recent nearby closings in the data set.
Median sale price (set)
$486,000
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$226
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$222
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Wells Creek
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.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $443,812 – $664,492
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. That’s the whole point: look how wide it is.
$443,812the mess$664,492
A 50% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or dated interior can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 46 days on market vs. a ~46-day neighborhood median
28 active listings competing in Wells Creek
6 under contract now
18% of for-sale inventory is already under contract (demand signal)
pending-to-active ratio 0.21 (higher = faster-selling demand)
≈8.8 months of supply (under ~4 favors sellers, over ~6 favors buyers)
5 new-construction homes competing
38 closed here in the last 12 months
For reference, this home is listed at $544,900 ($222/sq ft) — a number set with analysis a Messtimate can't do.
Want a number you can actually price or offer on? 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: 2,452 sq ft × $181–$271/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 1, 2026.
In the area
Recent Wells Creek news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Feb 2026 · Retail Dining
Walmart at Pavilion at Durbin Park seeks expansion for online pickup
The Walmart Supercenter at 845 Durbin Pavilion Drive in The Pavilion at Durbin Park applied to add about 9,000 square feet for expanded online grocery pickup and delivery. St. Johns County began reviewing the permit in February 2026, with a Development Review Committee discussion set for March. The endcap addition is part of Walmart's broader national remodel program.
Why it matters: Added pickup capacity at the nearest large-format anchor could improve everyday shopping convenience for the southeast Duval corridor near Wells Creek, though timing depends on county review.
Walk-On's Sports Bistreaux signals revival at Durbin Park
A St. Johns County sign permit issued in September 2025 indicated that Walk-On's Sports Bistreaux, an almost 7,500 square foot restaurant, is moving toward completion at The Pavilion at Durbin Park. The shell had been built in 2023 but sat unfinished for about two years. The restaurant sits near the Cinemark theater off Florida 9B and West Peyton Parkway.
Why it matters: A long-stalled dining anchor coming back online could add to the retail draw near the corridor, though opening dates for revived projects can still slip.
PARC Group launches EverRange master-planned community on Philips Highway
The PARC Group unveiled EverRange, a 1,000-acre master-planned community along Philips Highway at the southern tip of Duval County with an eventual 1,500 homes in its initial phase. Builders include Dream Finders Homes, David Weekley, Toll Brothers and ICI, with the first neighborhoods opening in 2026. The community shares the same general school assignments as the Wells Creek area.
Why it matters: A large new community on the same Philips Highway corridor may expand nearby housing supply and amenities, and could add demand on the shared area schools over time.
Citigroup campus in Flagler Center could add up to 750 apartments
New owners of the Citigroup office campus in Flagler Center, between Interstate 95 and Philips Highway just south of Old St. Augustine Road and north of Bartram Park, applied to amend the development order to allow up to 750 additional apartment units. The request would raise the maximum multifamily count in the development from 3,200 to 3,950 without increasing overall development rights. The owner said it is securing entitlements as a contingency while keeping an office focus for now.
Why it matters: Additional housing entitlements this close to the corridor could eventually broaden nearby rental options, though the owner has framed the apartments as optional rather than committed.
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.
Bartram Springs Elementary (Duval)Public K-5 · Duval County School District
Twin Lakes Academy Middle (Duval)Public 6-8 · Duval County School District
Atlantic Coast High School (Duval)Public 9-12 · Duval County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Apr 2026
$559,800
13138 CAMERON VLY Court, Jacksonville
4 / 2.5 bd/ba · 2,455 sq ft · $228/sq ft
Courtesy of UNITED REAL ESTATE GALLERY · View details →
Sold May 2026
$472,000
12026 CABANA Road, Jacksonville
4 / 3 bd/ba · 2,236 sq ft · $211/sq ft
Courtesy of ENDLESS SUMMER REALTY · View details →
Sold Apr 2026
$500,000
13888 HARLOWTON Avenue, Jacksonville
4 / 3 bd/ba · 2,236 sq ft · $224/sq ft
Courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · View details →
Sold May 2026
$430,000
11993 ELDERBANK Drive, Jacksonville
3 / 2 bd/ba · 1,784 sq ft · $241/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Median of the set: $226/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
The full spec sheet
Property details & features
Interior
Bedrooms4
Bathrooms2.5
Living area2,452 sq ft
Exterior & lot
Lot sizeSee record
TypeSingle Family Residence
Systems
Year built2022
Age4 yrs
Listing
MLS #2144428
StatusActive
Days on market46
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $544,900Momentum Realty · on market 46 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and 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 13192 DUNWICK Road in person
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Listing agent
Listed by
COLDWELL BANKER VANGUARD REALTY
Listing courtesy of COLDWELL BANKER VANGUARD REALTY. Information provided via the NEFMLS Internet Data Exchange and deemed reliable but not guaranteed. To tour this home, a licensed Momentum Realty agent can represent you as a buyer.
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 a typical county millage rate to the list price 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.
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.
