This home is in Jacksonville — a waterfront home in Jacksonville.
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Sold·Closed May 22, 2026·72 days on market·Recent sales in Mandarin
10249 Secret Harbor Court
Jacksonville, FL 32257
About this home
Jacksonville
UNDER CONTRACT! WE ACCEPT BACKUP OFFERS. Lakefront living on a quiet cul-de-sac in the heart of Mandarin! This beautiful 4 bedroom / 2 bath home is perfectly situated on a prime cul-de-sac in the heart of Mandarin. Located on a peaceful lake with serene water views, this move-in ready home offers 1,948 sq. ft. of living space in the desirable Secret Harbor community.
Next steps in Mandarin
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1991)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,228 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis 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
2025 property taxes (current owner): $6,377/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
- Feb 17, 2026Listed$399,000
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 $223/sq ft; this home is listed at $205/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 10443 Osprey Nest Drive W, Jacksonville, FL 32257Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $350,000 | $223 | 3/2 | 1,571 | 26 | 0.3 |
| 4551 Sun Garden Drive, Jacksonville, FL 32257Listed by SAM FOLDS, INC., REALTORS | Sep 2026 | $390,000 | $234 | 2/2 | 1,669 | 138 | 0.5 |
| 4623 Golden Spike Court, Jacksonville, FL 32257Listed by RE/MAX SPECIALISTS | Sep 2026 | $369,900 | $191 | 3/2 | 1,940 | 3 | 0.8 |
| 5261 Hoof Print Drive N, Jacksonville, FL 32257Listed by HERRON REAL ESTATE LLC | Oct 2026 | $369,000 | $202 | 3/2 | 1,828 | 80 | 1 |
| 4211 Timberlake Drive N, Jacksonville, FL 32257Listed by CRYSTAL CLEAR REALTY, LLC | Sep 2026 | $375,000 | $247 | 3/2 | 1,520 | 64 | 1 |
| 10348 Sequoya Drive, Jacksonville, FL 32257Listed by HESTIA REAL ESTATE SERVICES, INC. | Sep 2026 | $360,000 | $179 | 4/3 | 2,011 | 39 | 1.2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Sold by: COLDWELL BANKER VANGUARD REALTY (buyer's brokerage)
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 22, 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.
Northeast Florida living
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