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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 waterfront home in Jacksonville.

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Sold

Sold·Closed Jul 17, 2026·49 days on market·Recent sales in Mandarin

11802 Mandarin Road

Jacksonville, FL 32223

$1,593,720sold priceListed at $1,650,000 · 96.6% of asking$412/sqftMLS# 2140996
4
Beds
4
Baths
3,869
Sq Ft
2000
Built
3
Garage
Yes
Pool
FEMA Zone XHOA $167/mo1.04 acresWaterfrontSingle Family Residence2 stories

About this home

Jacksonville

Rare opportunity to own over an acre of navigable waterfront in the heart of historic Mandarin, with direct access to the St. Johns River. This custom estate offers a private dock with boat lift, making it easy to keep your boat at home and be on the river within minutes. Inside, nearly 4,000 sf showcases white oak flooring, custom lighting, plantation shutters, and a wood burning fireplace with built ins anchoring the main living space. The kitchen is designed for both everyday living and entertaining, featuring leathered quartz countertops, double ovens, gas cooktop, wine fridge, and an oversized island that flows seamlessly into the living and dining areas. The first floor primary suite offers dual closets and a spa like bath with marble floors, walk in shower, and freestanding tub. Upstairs, a spacious bonus room with wet bar adds flexibility for entertaining or additional living space. The private backyard is a true retreat, complete with a pool, patio, and peaceful water views.

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$8,828
Property taxesest. at asking price, Duval County$2,602
HOAbilled annually$167
Estimated total, before insurance$11,597/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,543/yr · $962/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,593,720
$318,744
Loan Term
Monthly Payment
$8,828
Principal & Interest: $8,828
Property taxes (est.): $2,602
Insurance (est.): $1,062
Estimated Total Monthly
$12,492
*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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2000)

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

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: ~1,615 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$844,882$618,080▲ $10,000
2024$839,699$599,954▼ $819
2023$872,184$581,024▲ $36,425
2022$812,192$562,645—
2021$670,916$544,801▲ $10,000
2020$643,644$536,589—

2025 property taxes (current owner): $11,543/yr

Estimated taxes if purchased at asking price: ~$31,200/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

  • Jul 19, 2026Closed$1,650,000
  • Apr 23, 2026Listed$1,650,000

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 $268/sq ft; this home is listed at $426/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11135 Scott Mill Road, Jacksonville, FL 32223Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$860,000$2584/2.53,32710.4
11549 Sedgemoore Drive S, Jacksonville, FL 32223Listed by HOME PLACE REALTYSep 2026$485,000$1785/42,719850.5
2718 Claire Lane, Jacksonville, FL 32223Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$980,000$2894/43,38830.6
2660 Fairway Farms Court, Jacksonville, FL 32223Listed by ROUND TABLE REALTYJul 2026$1,160,000$2685/4.54,329350.8
11685 Woodside Lane, Jacksonville, FL 32223Listed by PONTE VEDRA CLUB REALTY, INC.Aug 2026$1,550,000$3945/43,935510.9
2587 Spreading Oaks Lane, Jacksonville, FL 32223Listed by ONE SOTHEBY'S INTERNATIONAL REALTYAug 2026$663,000$2254/32,945111.1

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$1,650,000
Price / Sq Ft$426
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage3,869
Acres1.04 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Salt Water
Is WaterfrontYes

School Information

Community Information

Address11802 Mandarin Road, Jacksonville, FL 32223
Area014-Mandarin
SubdivisionSt Johns Cove
CityJacksonville
CountyDuval
StateFL
Zip Code32223
Lot Size45,302.4 sq ft
Parcel Number1056712045
ZoningResidential

Amenities

UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached
ViewCanal, Pool

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s), Wet Bar
AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingElectric
CoolingElectric
FlooringWood
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo
LaundryLower Level, Sink
Spa FeaturesHeated, Private

Exterior

Exterior FeaturesBoat Lift, Dock, Outdoor Kitchen
Lot DescriptionDead End Street
Patio / PorchCovered, Patio, Porch
FencingBack Yard
RoofShingle
ConstructionBrick

Additional Information

Date ListedApril 23, 2026
Days on Market49
HOA Fees$2,000 / Annually
HOA FrequencyAnnually
Tax Amount$11,542.64
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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 Jul 17, 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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