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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 gated community home in Jacksonville.

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Sold

Sold·Closed Nov 20, 2025·71 days on market·Recent sales in Mandarin

9400 Underwing Way 3

Jacksonville, FL 32257

$210,000sold priceListed at $217,000 · 96.8% of asking$164/sqftMLS# 2103082
3
Beds
2
Baths
1,284
Sq Ft
2007
Built
1
Garage
No
Pool
HOA $379/mo436 sqft lotCondominium1 story

About this home

Jacksonville

SPECIAL OFFER! Seller WILL PAY THE FIRST 6 months of monthly CONDO FEES with acceptable offer! Don't miss this wonderful ground-floor condo with an ATTACHED GARAGE in Mandarin. OSPREY BRANCH is a small GATED community with pool & gym. The floorplan offers a 3 bedrooms & 2 baths. New LVP flooring and neutral tones throughout. The 3rd bedroom offers a HUGE closet and great flexibility as an Office, Bedroom or Dining area! The kitchen shines with stainless appliances, a deep double-bowl sink, full tile backsplash, warm wood cabinetry, and a huge pantry. Unwind in the private screened patio with no rear neighbors! The primary suite includes a walk-in closet and ensuite bath with glass-door walk-in shower. The 2nd Bedroom is split and offers great privacy. Separate laundry area with washer & dryer included. Monthly fees cover cable, internet, and exterior maintenance. The community & buildings are well maintained with a new roof in 2024!

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$1,163
Property taxesest. at asking price, Duval County$343
HOAbilled monthly$379
Estimated total, before insurance$1,885/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$875/yr · $73/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

$210,000
$42,000
Loan Term
Monthly Payment
$1,163
Principal & Interest: $1,163
Property taxes (est.): $343
Insurance (est.): $140
Estimated Total Monthly
$1,646
*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 — 2024 per the listing

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

Solar potential: ~1,724 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

YearMarket valueTaxable valueChange
2025$188,000$40,782▲ $7,000
2024$181,000$38,926—
2023$181,000$36,336—
2022$151,500$33,822—
2021$121,500$31,381—
2020$115,000$41,492—

2024 property taxes (current owner): $875/yr

Estimated taxes if purchased at asking price: ~$4,100/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.

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 $151/sq ft; this home is listed at $169/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
9420 Osprey Branch Trail 9, Jacksonville, FL 32257Listed by WATSON REALTY CORPSep 2026$147,900$1372/21,079640.1
9626 Belda Way 7, Jacksonville, FL 32257Listed by PREMIER HOMES REALTY INCOct 2026$175,000$1513/21,1571320.5
4365 Edgewater Crossing Drive 11-3, Jacksonville, FL 32257Listed by MARK SPAIN REAL ESTATESep 2026$235,000$1872/21,25930.5
9670 Amarante Circle 7, Jacksonville, FL 32257Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$161,000$1393/21,15760.5
4369 Edgewater Crossing Drive 11-2, Jacksonville, FL 32257Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$283,000$2232/21,269300.5
3904 Via Di Olivia Court 40, Jacksonville, FL 32257Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$185,000$1463/21,2691650.6

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$217,000
Price / Sq Ft$169
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,284
Acres0.01 acres
Year Built2007
TypeResidential
Sub-TypeCondominium
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address9400 Underwing Way 3, Jacksonville, FL 32257
Area013-Beauclerc/Mandarin North
SubdivisionOsprey Branch
CityJacksonville
CountyDuval
StateFL
Zip Code32257
Lot Size435.6 sq ft
Parcel Number1487020692
ZoningCondominium

Amenities

AmenitiesPool, Cable TV, Fitness Center, Gated, Maintenance Grounds, Trash
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate
# of Stories1
LevelsOne
SecuritySecurity Gate

Exterior

Patio / PorchRear Porch, Screened
RoofShingle
ConstructionFrame, Stucco

Additional Information

Date ListedAugust 9, 2025
Days on Market71
HOA Fees$378.5 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Trash
Tax Amount$874.5
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 Nov 20, 2025. 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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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