This home is in Jacksonville — a pool home in Jacksonville.
Sold·Closed Oct 7, 2026·114 days on market·Recent sales in Mandarin
10440 Sylvan Lane W
Jacksonville, FL 32257
About this home
Jacksonville
Situated at the front of a quiet cul-de-sac, this unique lot presents a rare opportunity - nature-infused privacy, combined with waterfront living. Get ready to enjoy sunsets over the St John's River from your living room and pool! 10440 Sylvan Lane West sits under a canopy of majestic live oaks, safely elevated above a navigable canal, leading directly into the St. Johns River. Unlike most homes on the St. Johns, this home does NOT require flood insurance! Enjoy waterfront living, without the premium. The result is thousands in savings annually. Enter through the striking new double front doors to discover the sprawling layout of this newly painted brick ranch. The home's interior features 4 bedrooms and 3.5 baths. In addition, there is a dedicated office, accessed through large sliding barn doors. A large spacious master suite, which is quietly tucked away and separated from the living spaces.
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.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1972)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic
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).
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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
16th Ave Sabout 16 mi · 28 parking spaces
Closest park or preserve
Tillie K. Fowler Regional Parkabout 5 mi · 4 mi of trails
Closest public boat ramp
Goodby's Creek Boat Rampabout 2 mi · St. Johns River - Goodby's Creek
Closest kayak & paddleboard launch
County Dock Hand Launch Areaabout 2 mi · St. Johns River
Closest youth league fields
Williams Family YMCAabout 0.5 mi · Basketball, Football, Soccer, Volleyball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
Last sold: $955,000 in June 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $774,720 | $723,998 | — |
| 2024 | $764,022 | $714,022 | ▼ $1,551 |
| 2023 | $764,126 | $693,033 | ▲ $195,529 |
| 2022 | $545,800 | $518,654 | — |
| 2021 | $471,504 | $471,504 | ▲ $25,441 |
| 2020 | $359,540 | $269,486 | — |
2025 property taxes (current owner): $13,422/yr
Estimated taxes if purchased at asking price: ~$22,300/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
- Oct 7, 2026Closed$1,180,000
- Aug 21, 2026Active Under Contract$1,180,000
- Jul 23, 2026Price change$1,180,000−$19,000
- Apr 20, 2026Listed$1,199,000
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 $229/sq ft; this home is listed at $285/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2827 Casa Del Rio Terrace, Jacksonville, FL 32257Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $1,580,000 | $368 | 4/4.5 | 4,297 | 54 | 0.4 |
| 2835 Ridgefield Court, Jacksonville, FL 32257Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $740,000 | $229 | 4/2.5 | 3,238 | 12 | 0.5 |
| 2587 Spreading Oaks Lane, Jacksonville, FL 32223Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Aug 2026 | $663,000 | $225 | 4/3 | 2,945 | 11 | 0.5 |
| 2923 Sandy Branch Lane, Jacksonville, FL 32257Listed by MOMENTUM REALTY | Aug 2026 | $586,000 | $201 | 4/2.5 | 2,922 | 6 | 0.5 |
| 2553 Spreading Oaks Lane, Jacksonville, FL 32223Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | May 2026 | $1,075,000 | $310 | 4/4.5 | 3,470 | 13 | 0.5 |
| 2710 Cove View Drive N, Jacksonville, FL 32257Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $502,000 | $155 | 4/4.5 | 3,247 | 59 | 0.6 |
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: MOMENTUM REALTY
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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Krista Fracke
Broker Associate
This home sold on Oct 7, 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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