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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 home near Mandarin High School.

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Sold

Sold·Closed Sep 8, 2026·125 days on market·Recent sales in Mandarin

11051 Sky Lark Drive

Jacksonville, FL 32257

$360,000sold priceListed at $365,000 · 98.6% of asking$187/sqftMLS# 2138550
3
Beds
2
Baths
1,930
Sq Ft
1995
Built
2
Garage
No
Pool
FEMA Zone XHOA $35/mo11,326 sqft lotWaterfrontSingle Family Residence1 story

About this home

Jacksonville

Welcome to this beautifully maintained 3-bedroom, 2-bath home in the desirable Gables community. Situated on a spacious corner lot of nearly a quarter acre, this property offers peaceful pond views framed by mature crape myrtle trees. The thoughtfully designed split- bedroom floor plan features updated flooring throughout, a spacious living area with a cozy wood-burning fireplace and an eat-in kitchen that's perfect for everyday living and entertaining. The primary suite offers a walk-in closet and an ensuite bath with a separate tub and shower. Enjoy relaxing mornings overlooking the water from your backyard. Additional highlights include a two-car garage and a roof replaced in 2018 for added peace of mind. Conveniently located near shopping, dining, parks and highly rated Mandarin schools, this home combines comfort, privacy, and an exceptional location.

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$1,994
Property taxesest. at asking price, Duval County$588
HOAbilled annually$35
Estimated total, before insurance$2,617/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$360,000
$72,000
Loan Term
Monthly Payment
$1,994
Principal & Interest: $1,994
Property taxes (est.): $588
Insurance (est.): $240
Estimated Total Monthly
$2,822
*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: material not specified — 2018 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: ~1,762 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

South-facing backyard — the year-round light lot

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

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

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$326,492$140,646—
2024$327,506$135,975—
2023$314,432$130,559—
2022$255,319$125,300▲ $2,000
2021$217,089$120,195—
2020$199,356$117,846—

Estimated taxes if purchased at asking price: ~$7,100/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

  • Sep 8, 2026Closed$365,000
  • Aug 9, 2026Pending$365,000
  • Jul 30, 2026Price change$365,000−$34,000
  • Jul 20, 2026Price change$399,000−$21,000
  • Apr 6, 2026Listed$420,000

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 $216/sq ft; this home is listed at $189/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11238 Irish Moss Drive, Jacksonville, FL 32257Listed by WATSON REALTY CORPSep 2026$389,900$2163/21,80760.5
4891 Northford Place E, Jacksonville, FL 32257Listed by RE/MAX SPECIALISTSSep 2026$310,000$1774/21,750980.6
5266 Chestnut Lake Drive, Jacksonville, FL 32258Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$437,000$1984/22,20370.6
5261 Hoof Print Drive N, Jacksonville, FL 32257Listed by HERRON REAL ESTATE LLCOct 2026$369,000$2023/21,828800.7
10476 Spotted Fawn Lane, Jacksonville, FL 32257Listed by CROSSVIEW REALTYSep 2026$469,000$2483/21,891280.8
11442 Courtney Waters Lane, Jacksonville, FL 32258Listed by WATSON REALTY CORPSep 2026$430,000$2653/21,62521.2

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

Price$365,000
Price / Sq Ft$189
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,930
Acres0.26 acres
Year Built1995
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesNorth

School Information

ElementaryMandarin Oaks
MiddleMandarin

Community Information

Address11051 Sky Lark Drive, Jacksonville, FL 32257
Area013-Beauclerc/Mandarin North
SubdivisionThe Gables
CityJacksonville
CountyDuval
StateFL
Zip Code32257
Lot Size11,325.6 sq ft
Parcel Number1565830140
ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond, Trees/Woods
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Washer
HeatingCentral, Electric
CoolingCentral Air
FlooringLaminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1

Exterior

Lot DescriptionCorner Lot, Many Trees
Road SurfaceAsphalt

Additional Information

Date ListedApril 6, 2026
Days on Market125
HOA Fees$424 / Annually
HOA FrequencyAnnually
Listing TermsCash, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FIVE STAR REALTY SERVICES, INC

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 Sep 8, 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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