This home is in Jacksonville — a home near Mandarin High School.
Pending·139 days on market
4055 Waterway Court
Jacksonville, FL 32223
About this home
Jacksonville
Are you a nature lover? Looking for your own private sanctuary? You've found it! This all-brick home is move-in ready, and welcomes you with a bright family room featuring vaulted ceilings, a separate dining area, and an updated kitchen with stainless-steel appliances. The split-bedroom layout offers a spacious primary suite and refreshed bathrooms. French doors open to an inviting enclosed porch, perfect for year-round enjoyment. At the front, a charming courtyard entry with concrete fencing and a koi pond sets the tone. Nestled on a quiet cul-de-sac lot, the home sits proudly on high ground, surrounded by abundant windows that frame serene views of the woodland conservation area (backing to Oldfield Creek). Additional highlights include gutters, ceiling fans, blinds, a storage room, newer roof (2023) and a termite bond. Julington Landing is a tree-lined community, ideally located near shopping, restaurants, parks, boat ramps, and more -- truly a wonderful place to call home!
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
Last sold: $395,000 in May 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $354,903 | $284,899 | — |
| 2024 | $335,879 | $276,163 | — |
| 2023 | $336,191 | $314,453 | ▲ $40,381 |
| 2022 | $285,867 | $285,867 | ▲ $7,997 |
| 2021 | $239,656 | $121,066 | — |
| 2020 | $224,642 | $118,705 | ▲ $13,724 |
2025 property taxes (current owner): $5,602/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.
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — 2023 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely septic · Public water · JEA
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: ~1,682 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 homeAs 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.
History
Price & status history
- Jul 29, 2026Pending$398,000
- Mar 27, 2026Listed$398,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX SPECIALISTS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines