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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 waterfront home in Jacksonville.

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Sold

Sold·Closed Aug 14, 2026·362 days on market·Recent sales in Mandarin

11577 Summer Brook Court

Jacksonville, FL 32258

$516,000sold priceListed at $519,999 · 99.2% of asking$205/sqftMLS# 2099283
4
Beds
3
Baths
2,522
Sq Ft
1998
Built
3
Garage
No
Pool
FEMA Zone XHOA $94/mo13,939 sqft lotWaterfrontSingle Family Residence1 story

About this home

Jacksonville

Home just appraised for list price! Stunning waterfront home in mandarin nestled in a gated community, where owners have access to community amenities such as tennis courts, a pool, a basketball court, and a playground. Brand New stainless steel stovetop, dishwasher, and double oven! Offers over 2,500 sq. ft. with 4 bedrooms, 3 bathrooms, and a 3-car garage. Recent upgrades include a new roof (2024), fresh interior and exterior paint, luxury plank flooring, crown molding, modern light fixtures, and an updated primary bathroom. The kitchen features new countertops and a clean, modern remodel, and the guest bathroom includes a new vanity. Plantation shutters add timeless charm. The open floor plan includes formal living and dining areas, ideal for entertaining. The spacious primary suite offers dual closets and a spa-like bath. Enjoy the enclosed sunroom with large windows, perfect as a flex space, den, or relaxing retreat. A must see home

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$2,858
Property taxesest. at asking price, Duval County$843
HOAbilled annually$94
Estimated total, before insurance$3,795/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$6,294/yr · $524/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

$516,000
$103,200
Loan Term
Monthly Payment
$2,858
Principal & Interest: $2,858
Property taxes (est.): $843
Insurance (est.): $344
Estimated Total Monthly
$4,045
*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.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,688 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

As of July 2026, 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$376,017$325,295▼ $14,144
2024$381,405$331,405▲ $9,740
2023$375,700$375,700—
2022$361,572$181,753—
2021$294,001$175,003—
2020$263,308$171,897—

2024 property taxes (current owner): $6,294/yr

Estimated taxes if purchased at asking price: ~$10,100/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 (2025), NEFMLS.

History

Price & status history

  • Aug 21, 2026Closed$519,999
  • Aug 21, 2026Active$519,999
  • Jul 12, 2026Active Under Contract$519,999
  • Apr 24, 2026Listed$519,999

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 $210/sq ft; this home is listed at $206/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11567 Summer Haven Boulevard N, Jacksonville, FL 32258Listed by HERRON REAL ESTATE LLCSep 2026$515,000$1934/32,66650.1
11828 Collins Creek Drive, Jacksonville, FL 32258Listed by DOORVINE REALTY LLCSep 2026$568,000$2104/32,703640.3
11346 Mandarin Ridge Lane, Jacksonville, FL 32258Listed by REDFIN CORPORATIONSep 2026$600,000$2123/32,836170.5
11041 Blessings Court, Jacksonville, FL 32257Listed by PASSPORT REALTY, LLC.Oct 2026$449,900$1794/2.52,51080.7
11023 Blessings Court, Jacksonville, FL 32257Listed by PASSPORT REALTY, LLC.Oct 2026$469,900$1874/2.52,5101320.8
12131 Banyan Tree Drive, Jacksonville, FL 32258Listed by FIRST COAST HEROES REAL ESTATE LLCOct 2026$405,000$2223/21,828120.8

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$519,999
Price / Sq Ft$206
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,522
Acres0.32 acres
Year Built1998
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional, Other
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontYes
Direction FacesWest

School Information

Community Information

Address11577 Summer Brook Court, Jacksonville, FL 32258
Area014-Mandarin
SubdivisionThe Manors Of Summer
CityJacksonville
CountyDuval
StateFL
Zip Code32258
Lot Size13,939.2 sq ft
Lot Dimensions70 x 215
Parcel Number1589910240
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Gated, Playground, Tennis Court(s)
Community FeaturesSidewalks, Gated
UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Double Oven, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Exterior

Lot DescriptionCleared
Patio / PorchCovered, Glass Enclosed, Patio, Porch
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 21, 2026
Days on Market362
HOA Fees$1,126 / Annually
HOA FrequencyAnnually
HOA NameManors @ Association
Tax Amount$6,293.85
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CRYSTAL CLEAR REALTY, LLC

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 Aug 14, 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.

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20+ years · 500+ closings · NE Florida

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