Townhouse / Rowhouse home in Jacksonville, FL
A Townhouse home in Jacksonville, FL, it offers 3 bedrooms and 3 bathrooms across 1,480 square feet. Standout details include gated, lake / river / water view, swimming pool, deck / patio, and open floor plan.
| Price | $280,000 |
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| Beds | 3 |
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| Baths | 3 |
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| Sqft | 1480 |
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| Architectural style | Townhouse / Rowhouse (84% match) |
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| Address | 12970 Spring Rain Road, Jacksonville, FL 32258 |
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Why buy this home
- Confirmed Townhouse / Rowhouse architecture, matched from the listing photos by Enzo's vision model.
- Features: deck / patio, gated, lake / river / water view, open floor plan, swimming pool, walk-in closet.
- Links directly to the original source listing on Estately.
Is this a good buy?
Priced above comparable homes.
- At $280K, this home is 14% above the $245K median for 355 similar Townhouse / Rowhouse homes in Jacksonville, FL.
- That works out to $189 per square foot, 12% above the $169 comparable rate.
- On the market 16 days.
| This home | $280,000 |
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| Townhouse / Rowhouse median in Jacksonville, FL | $245,000 (355 homes) |
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| Price per sq ft | $189 vs. $169 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $1,850/month with 20% down at a 7.28% 30-year fixed rate. You would need about $79,284 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $1,533/mo |
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| Property tax (new-buyer reassessed rate) | $212/mo |
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| Homeowners insurance | $105/mo |
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| Total monthly | $1,850/mo |
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| Down payment (20%) | $56,000 |
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| Income needed | $79,284/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home C+ (64 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | C+ (64/100) |
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| Beats renting in | 16% of modeled paths |
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| Modeled 5-yr equity (median) | $136,495 |
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| Range (10th to 90th pct) | $80,155 to $200,773 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Jacksonville, FL where local data is thin.
Local home values
Typical home values in Jacksonville, FL have risen about 18% over the past 5 years (0% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Estately