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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a home near Mandarin High School.

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Sold

Sold·Closed Jan 15, 2026·154 days on market·Recent sales in Mandarin

11548 Collins Creek Drive

Jacksonville, FL 32258

$397,000sold priceListed at $425,000 · 93.4% of asking$192/sqftMLS# 2096893
3
Beds
2
Baths
2,065
Sq Ft
2001
Built
2
Garage
No
Pool
HOA $28/mo14,810 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Ideally located in Mandarin with quick access to I-295 and I-95 yet nestled away from the hustle and bustle. This spacious home offers 2,065 sq ft of living space, featuring 3 bedrooms, a bonus room perfect for a home office, playroom, or guest space, and a formal dining area. The bright eat-in kitchen includes a large window overlooking the serene backyard. Step outside to your own private oasis — the fully fenced yard backs to a conservation area, offering peace and privacy. Enjoy gardening or relaxing under the covered patio, complete with a mature lemon tree. Inside and out, this home has been thoughtfully updated and well maintained. Don't miss this opportunity to own a quiet retreat in a prime location! Preferred Lender Incentive Available! Buyers may qualify for a 1% lender credit through Atlantic Trust Mortgage, which can be applied toward rate buydown or closing costs.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,199
Property taxesest. at asking price, Duval County$648
HOAbilled annually$28
Estimated total, before insurance$2,876/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,002/yr · $250/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$397,000
$79,400
Loan Term
Monthly Payment
$2,199
Principal & Interest: $2,199
Property taxes (est.): $648
Insurance (est.): $265
Estimated Total Monthly
$3,112
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2001)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,769 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $3,002/yr

Estimated taxes if purchased at asking price: ~$7,800/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Jul 4, 2025Listed$425,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $226/sq ft; this home is listed at $206/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5052 Taylor Creek Drive, Jacksonville, FL 32258Listed by REGNIER REAL ESTATESep 2026$589,900$2773/22,128670.1
5333 Liberty Lake Drive S, Jacksonville, FL 32258Listed by ROUND TABLE REALTYSep 2026$425,000$2053/22,0781510.5
11979 Colby Creek Drive, Jacksonville, FL 32258Listed by UNITED REAL ESTATE GALLERYSep 2026$412,000$2263/21,822210.6
5327 Racoon Ridge Court, Jacksonville, FL 32258Listed by DOGWOOD REALTYSep 2026$350,000$2263/21,551840.6
12283 Autumnbrook Trail W, Jacksonville, FL 32258Listed by MOMENTUM REALTYSep 2026$385,000$1983/21,940520.7
5472 Running Creek Lane, Jacksonville, FL 32258Listed by BEYCOME OF FLORIDA LLCOct 2026$380,000$1963/21,940110.9

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$425,000
Price / Sq Ft$206
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,065
Acres0.34 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address11548 Collins Creek Drive, Jacksonville, FL 32258
Area014-Mandarin
SubdivisionArbor Oaks
CityJacksonville
CountyDuval
StateFL
Zip Code32258
Lot Size14,810.4 sq ft
Parcel Number1571912810

Amenities

AmenitiesPlayground
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, ENERGY STAR Qualified Refrigerator, Microwave
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecurityFire Alarm, Smoke Detector(s)

Exterior

Lot DescriptionDead End Street, Irregular Lot, Many Trees, Wooded
Patio / PorchCovered, Rear Porch
FencingBack Yard
RoofShingle
ConstructionStucco
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 4, 2025
Days on Market154
HOA Fees$340 / Annually
HOA FrequencyAnnually
HOA NameArbor Oaks Owners Association, Inc
HOA Fee IncludesMaintenance Grounds
Tax Amount$3,001.75
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jan 15, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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