This home is in Mandarin, Jacksonville.

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Active

Active·94 days on market·Mandarin

4242 Hillwood Road

Jacksonville, FL 32223

$3,267,750$682/sqftEst. $16,610/moMLS# 2140398

Beds

Baths

4,789

Sq Ft

2026

Built

Garage

Pool

About this home

Mandarin

RARE 4.8 ACRE WATERFRONT OPPORTUNITY ON JULINGTON CREEK! Build your new custom home on this extraordinary 4.84-acre combined estate at 4242 & 4232 Hillwood Rd. in Mandarin with waterway access to Julington Creek and the St Johns River. Plan by John Merrill Homes can be build as shown, modified, or the custom home of your dreams can be designed from scratch! The estate includes 2 combined waterfront lots, a private canal, 2 docks, boat lift, and gazebo. This rare find offers the ultimate canvas to bring your vision to life. Fishing enthusiasts will find great value in the main dock, boat lift, and ramp with water and electric. A scenic 700-foot path winds through the estate, leading to a second dock, charming gazebo equipped with fish-cleaning stations, water, and electric-perfect for avid anglers or watch the serene sunsets. Also included is a double jet ski ramp for endless aquatic adventures. See MLS 2131144 for the double lot listing.

Cost to own

Mortgage calculator

Home Price

$3,267,750

Down Payment: 20%

$653,550

Interest Rate: 6.55%

Loan Term

Monthly Payment

$16,610

Principal & Interest: $16,610

Est. Taxes & Insurance: $4,152

Estimated Total Monthly

$20,762

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.55% · 30yr$16,610

Property taxesest. at asking price, Duval County$5,336

Estimated total, before insurance$21,945/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$285,800	$259,820	—
2024	$236,200	$236,200	▲ $12,400
2023	$223,800	$223,800	—
2022	$223,800	$205,260	—
2021	$186,600	$186,600	—
2020	$186,600	$186,600	—

2025 property taxes (current owner): $4,774/yr

Estimated taxes if purchased at asking price: ~$64,000/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Metal — year not disclosed (home built 2026)

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

Sewer records conflict — verify

The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,391 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

History