12969 HELM Drive, Jacksonville, FL, 32258 | $659,900

** OPEN HOUSE ** Saturday, 03/14/26 **
12 PM - 3 PM ** No HOA. Navigable waterfront living in the heart of Mandarin, with direct canal connection to Julington Creek and the St. Johns River. Brand new first-floor flooring enhances the home's readiness for immediate enjoyment.
*****
Recent Improvements Include:
•Brand New First-Floor Flooring (February 2026)
•New A/C System (December 2024)
•New Roof (November 2024)
•New Garage Doors (May 2024) ******** Tucked away at the end of a quiet cul-de-sac, this distinctive octagon-shaped home sits along a naturally preserved canal surrounded by mature trees and tranquil water views, offering both privacy and effortless connection to open water. The main living area and upper level are designed with architectural inspiration reminiscent of a lighthouse, featuring soaring ceilings, multiple skylights and an abundance of natural light. Nearly 2, 700 square feet of wraparound decks provide elevated vantage points overlooking the canal and treetops, creating seamless indoor-outdoor living and multiple areas for entertaining or quiet retreat. From the private dock, launch your boat or jet skis and reach Julington Creek within minutes, enjoying convenient access to the St. Johns River and surrounding waterways. The home offers 3 bedrooms, 3 full bathrooms and 1, 964 square feet of interior living space. The main level includes two bedrooms and two bathrooms with bright, open living areas, while the lower level features a private bedroom, full bath and spacious family room with direct waterfront access, ideal for guests, multigenerational living or additional flexible space. From quiet mornings to spontaneous sunset cruises, expansive outdoor decks for entertaining create the perfect setting where boating, relaxing and waterfront living naturally become part of everyday life.

Features

  • Bedrooms: 3
  • Baths: 3 full
  • Lot Size: 85 x 110
  • Laundry: Electric Dryer Hookup, Lower Level, Washer Hookup
  • Style: Contemporary, Stilt, Other
  • Year Built: 1985
  • Garage: 2-car
  • Heating: Central, Electric, Heat Pump
  • Cooling: Central Air, Electric
  • Approx Sq. Feet: 1,964
  • Acreage: 0.16
  • Lot Size: 85 x 110
  • Est. Taxes: $4,133
  • Lot Desc: Cul-De-Sac
  • View: Canal, Creek/Stream, Trees/Woods
  • Water Front: Yes
  • Elem. School: Greenland Pines
  • Middle School: Twin Lakes Academy
  • High School: Mandarin
  • Appliances: Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer
  • MLS#: 2130195
  • Days on Market: 24 days
  • Website: https://www.raveis.com
    /prop/2130195/12969helmdrive_jacksonville_fl?source=qrflyer
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William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

12969 HELM Drive, Jacksonville, FL, 32258

$659,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $527,920 $527,920 $527,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.296% 6.406% 5.668%
Monthly Tax Payment $344 $344 $344
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,081 $3,250 $4,279
Total Monthly Payment $3,517 $3,686 $4,715

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.