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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.

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Sold

Sold·Closed Jul 13, 2026·110 days on market·Recent sales in Jacksonville

1321 Mundy Drive

Jacksonville, FL 32207

$400,000sold priceListed at $434,900 · 92% of asking$239/sqftMLS# 2129938
3
Beds
1
Baths
1,672
Sq Ft
1942
Built
1.5
Garage
No
Pool
FEMA Zone XNo HOA13,068 sqft lotSingle Family Residence1 story

About this home

Jacksonville

A Perfect Opportunity to Own a home in one of the most desirable neighborhoods in the greater San Marco/Miramar area. This Brick Home boasts an expansive yard with plenty of room to Expand and Grow. Updated kitchen, Windows, Ac system and Septic tank. this home is Move in Ready. Rear entry garage makes for Easy and Private access. Character abounds with Original Hardwood floors and very cool retro bathroom

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$2,216
Property taxesest. at asking price, Duval County$653
Estimated total, before insurance$2,869/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,769/yr · $397/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

$400,000
$80,000
Loan Term
Monthly Payment
$2,216
Principal & Interest: $2,216
Property taxes (est.): $653
Insurance (est.): $267
Estimated Total Monthly
$3,135
*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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1942)

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

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,712 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

West-facing backyard — the sunset lot

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

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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$348,929$237,988▲ $2,550
2024$346,860$234,457—
2023$331,095$216,975▲ $7,629
2022$315,006$199,365—
2021$263,111$183,162▼ $7,873
2020$266,332$183,371—

2025 property taxes (current owner): $4,769/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 (2025), NEFMLS.

History

Price & status history

  • Jul 14, 2026Closed$434,900
  • Jul 13, 2026Active$434,900
  • Feb 12, 2026Listed$434,900

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 $236/sq ft; this home is listed at $260/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4242 Pinewood Avenue, Jacksonville, FL 32207Listed by FLUID REALTY, LLC.Oct 2026$360,000$2953/11,221420.3
4504 Peachtree Circle E, Jacksonville, FL 32207Listed by RE/MAX SPECIALISTSAug 2026$440,000$2333/21,88870.3
4121 Birmingham Road, Jacksonville, FL 32207Listed by PURSUIT REAL ESTATE, LLCAug 2026$255,000$2063/11,240580.5
5206 Tulane Avenue, Jacksonville, FL 32207Listed by WATSON REALTY CORPOct 2026$352,500$2254/21,56960.6
5388 Rollins Avenue, Jacksonville, FL 32207Listed by LIGHTHOUSE PROPERTY MANAGEMENT & REALTY LLCSep 2026$585,000$2723/22,154330.6
1524 Shirl Lane, Jacksonville, FL 32207Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$399,900$2363/21,6941160.6

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$434,900
Price / Sq Ft$260
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,672
Acres0.30 acres
Year Built1942
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionFixer
StatusClosed
# of Garages1.5
Has PoolNo
Is WaterfrontNo
Direction FacesEast

Community Information

Address1321 Mundy Drive, Jacksonville, FL 32207
Area011-San Marco
SubdivisionArdsley
CityJacksonville
CountyDuval
StateFL
Zip Code32207
Lot Size13,068 sq ft
Lot Dimensions100x130
Parcel Number0999450000
ZoningResidential

Amenities

Community FeaturesSuburban
UtilitiesCable Connected, Electricity Connected, Sewer Not Available, Water Connected, Other
SewerSeptic Tank
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesHis and Hers Closets, Primary Bathroom - Tub with Shower
AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air
FlooringLaminate, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Garage, Washer Hookup

Exterior

Patio / PorchCovered, Front Porch
FencingBack Yard, Wood
RoofShingle
ConstructionBrick
Road FrontageCity Street

Additional Information

Date ListedJuly 13, 2026
Days on Market110
Tax Amount$4,769.35
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: OCEANSIDE REAL ESTATE

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 Jul 13, 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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