12096 Prospect Creek Dr # 0, Jacksonville FL 32218, JACKSONVILLE, FL, 32218
Active56 days on marketListed Jun 24, 2026MLS #A12040611
About this home
12096 Prospect Creek Dr # 0, Jacksonville FL 32218
Welcome to this beautifully maintained 4-bedroom, 3.5-bathroom home located in the desirable Prospect Creek community of North Jacksonville! Freshly painted and move-in ready, this spacious residence features an open-concept floor plan filled with natural light, elegant tile flooring throughout the main living areas, and a well-appointed kitchen with granite countertops. The generously sized primary suite offers a relaxing retreat with a luxurious bathroom featuring both a soaking tub and separate shower. Additional highlights include central A/C, a large 2 car garage, and a fully fenced backyard perfect for entertaining or outdoor enjoyment. Ideally situated with convenient access to I-95, I-295, River City Marketplace, shopping, dining, schools, and major employers, this home offers both comfort and convenience. The property is located approximately 7 miles (about 10-15 minutes) from Jacksonville International Airport, making travel easy for business professionals and frequent flyers. Enjoy the benefits of living in one of Jacksonville’s fastest-growing areas while remaining close to Downtown Jacksonville, healthcare facilities, and the beautiful North Florida coastline.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2
Garage
2005
Year built
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$177 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$177/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Biscayne
Get to know Jacksonville. See the full Jacksonville guide →
Biscayne — neighborhood snapshot
Population
4,886
Median age
35
Median income
$56,095
Median home value
$236,172
Avg household
3
Households w/ children
924
For the school run
Duval County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Jacksonville market
$330K → $309K
Jacksonville median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
Median sold price, Jacksonville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the JACKSONVILLE 32218 median. See the full Jacksonville market guide →
Paper trail
This home's history
Reality check
What actually sold near 12096 Prospect Creek Dr # 0
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$219,990
790 SAILOR GROVE LANE
3 bd · 2.5 ba · 1,481 sqft · $149/sqft · 0 DOM
Sold · Jul ’26$219,990
735 SAILOR GROVE LANE
3 bd · 2.5 ba · 1,481 sqft · $149/sqft · 86 DOM
Sold · Jun ’26$229,990
745 SAILOR GROVE LANE
4 bd · 2.5 ba · 1,557 sqft · $148/sqft · 99 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12096 Prospect Creek Dr # 0 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12096 Prospect Creek Dr # 0 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
12096 Prospect Creek Dr # 0 FAQs
What would the monthly payment be for 12096 Prospect Creek Dr # 0, Jacksonville FL 32218?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $177/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 12096 Prospect Creek Dr # 0, Jacksonville FL 32218?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Jacksonville?+
At $2,400, this home is listed about 99% below the Jacksonville median of $291,514. The market section on this page shows how the area is trending.
Which schools are assigned to 12096 Prospect Creek Dr # 0, Jacksonville FL 32218?+
Garden City Elementary School (elementary), Highlands Middle School (middle), First Coast High School (high) — Duval County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of Keller Williams Realty SW · Omer Saint-Fleur. MLS #A12040611.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
Never miss a listing
New Jacksonville homes, in your inbox
Like 12096 Prospect Creek Dr # 0, Jacksonville FL 32218 but not quite? A daily digest of every new listing in Jacksonville — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →