Solved.

For some reason, the address I sent to was never activated on my wallet, or through my 12 word seed.  Even electrum didnt recognize that it had been used.

I was able to use a tool:  https://iancoleman.github.io/bip39/ to see all the addresses that would be generated by my 12 word seed, and their corresponding private keys to them all.  After going through them awhile, I found the address that I used!  I was able to import that priv key to blockchain, and then send it to my wallet, and recovered my btc.

No idea why the HD wallet and seed didnt recognize that this address was used, but manually importing it worked, once I was made aware of that tool by Jazz support.