This home is in Lake Mandarin, Jacksonville — a home near Mandarin High School.
Active Under Contract·115 days on market·Lake Mandarin
3416 Islander Way
Jacksonville, FL 32223
About this home
Lake Mandarin
This beautifully maintained single-story townhouse offers low-maintenance living with 2 bedrooms, 2 full bathrooms, and a versatile bonus space perfect for a home office, flex room, or second living area. The living and dining areas are open and airy, creating a bright space ideal for everyday living and entertaining. Inside, wood-look tile floors flow throughout, giving a modern, sophisticated feel and easy upkeep. The kitchen features newer appliances and a functional layout that connects to the dining and living areas, making meal prep and entertaining effortless. Both bedrooms are well-sized with abundant natural light, and the primary suite includes a private bathroom for comfort and privacy. Major updates provide peace of mind, including a brand-new roof in 2024, along with a newer HVAC system and water heater installed in 2022.
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: $228,900 in December 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $213,258 | $162,536 | ▲ $5,000 |
| 2024 | $220,098 | $220,098 | ▼ $584 |
| 2023 | $216,047 | $73,861 | ▲ $17,000 |
| 2022 | $191,446 | $119,185 | — |
| 2021 | $146,515 | $106,604 | ▲ $14,942 |
| 2020 | $127,322 | $97,589 | ▲ $4,719 |
2025 property taxes (current owner): $3,391/yr
Estimated taxes if purchased at asking price: ~$4,900/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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — 2024 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: ~1,702 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 16, 2026Active Under Contract$249,000
- Apr 9, 2026Listed$249,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Lake Mandarin
Lake Mandarin is a neighborhood in Jacksonville, FL (Duval County), ZIP 32223.
View all Lake Mandarin homes for sale →Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Lake Mandarin
Active$300,000MLS# 2155764Est. $1,597/mo3401 Parson Court, Jacksonville, FL 322233 Beds2 Baths1,517 sqftAn open-air courtyard sits at the center of this detached patio home, framed in sliding glass off the living room and…
ResidentialFLORIDA HOMES REALTY & MTG LLC
Active$315,000MLS# 2149373Est. $1,677/mo3504 Cormorant Branch Court, Jacksonville, FL 322232 Beds2 Baths1,228 sqftWelcome to this beautifully updated patio home offering a rare combination of privacy, character, and low-maintenance…
ResidentialCHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Active$325,000MLS# 2149018Est. $1,730/mo3220 Ricky Drive, Jacksonville, FL 322233 Beds2 Baths988 sqft**Back on the market due to the buyer losing financing right before the closing date** Inspections and appraisal have…
ResidentialMOMENTUM REALTY
Active Under Contract$329,000MLS# 2154876Est. $1,751/mo11066 Fairbanks Grant Road W, Jacksonville, FL 322233 Beds2 Baths1,724 sqftWelcome to this beautifully updated home in the highly desirable Lake Mandarin community, where timeless charm meets…
ResidentialERA ONETEAM REALTY
Keep looking
Similar homes in Jacksonville
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines