This home is in Jacksonville — a waterfront home in Jacksonville.
Sold·Closed Sep 23, 2026·138 days on market·Recent sales in Mandarin
4551 Sun Garden Drive
Jacksonville, FL 32257
About this home
Jacksonville
Everlake at Mandarin is a beautiful 55+ gated community that has it all! Convenient location, club amenities & Fitness Center, pool, & gorgeous lakes with lighted fountains. No CDD. This home is truly a designers dream with every luxury upgrade. Shows better than a model home. If you can think of it, it already has it, plus additional 13'x18' screened living area on the water, & 6'x13' area for grilling. Epoxy floor coating on all outside areas & in garage, Overhead storage added in garage. Aluminum fenced backyard, Tankless gas water heater & gutters. Motorized shades. Built-in LR wall unit & TV mounts throughout. Custom organized kitchen pantry and state of the art custom designed master walk-in closet. 10' ceilings plus tray in LR & MBR. Kitchen equipped with gas cooktop, built-in electric oven & microwave, custom cabinetry with pull-out drawers & quartz countertops accented with designer backsplash. Washer & Dryer included. Features sheet in documents.
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.
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: Shingle — year not disclosed (home built 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,657 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.
Cost to own
Taxes & assessment
Last sold: $403,500 in September 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $341,735 | $156,688 | ▲ $20,000 |
| 2024 | $315,552 | $265,552 | — |
| 2023 | $50,000 | $50,000 | — |
2025 property taxes (current owner): $3,296/yr
Estimated taxes if purchased at asking price: ~$7,600/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 24, 2026Closed$439,900
- Sep 21, 2026Pending$439,900
- Aug 25, 2026Active Under Contract$439,900
- Jul 10, 2026Price change$439,900−$10,100
- Apr 6, 2026Listed$450,000
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 $264/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 9970 Timberlake Drive E, Jacksonville, FL 32257Listed by BRANDYWINE HOMES USA LLC | Sep 2026 | $290,000 | $223 | 3/2 | 1,301 | 137 | 0.4 |
| 4211 Timberlake Drive N, Jacksonville, FL 32257Listed by CRYSTAL CLEAR REALTY, LLC | Sep 2026 | $375,000 | $247 | 3/2 | 1,520 | 64 | 0.5 |
| 9592 Abby Glen Circle, Jacksonville, FL 32257Listed by KELLER WILLIAMS JACKSONVILLE | Oct 2026 | $402,500 | $221 | 3/2 | 1,818 | 39 | 0.7 |
| 10443 Osprey Nest Drive W, Jacksonville, FL 32257Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $350,000 | $223 | 3/2 | 1,571 | 26 | 0.7 |
| 9872 Lazy Hollow Lane, Jacksonville, FL 32257Listed by WATSON REALTY CORP | Sep 2026 | $389,000 | $247 | 3/2 | 1,577 | 5 | 0.8 |
| 9515 Broken Oak Boulevard, Jacksonville, FL 32257Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $375,000 | $208 | 3/2 | 1,801 | 98 | 0.8 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SAM FOLDS, INC., REALTORS
Sold by: UNITED REAL ESTATE GALLERY (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 Sep 23, 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
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