This home is in Jacksonville — a waterfront home in Jacksonville.
$549,9003 bd · 2 ba · 1,399 sq ft
Active·194 days on market
4173 Sunset Lane S
Jacksonville, FL 32257
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Waterfront Oasis! Well maintained, North Mandarin navigable waterfront, with just minutes boat ride to St. Johns River! All-brick waterfront home offers the perfect blend of comfort, style, and boating convenience. Situated on a desirable corner lot, the property features a private dock with boat and jet ski lifts, covered boat lift with a metal roof--with 3 kayaks and dock furniture included with home! Fishing and weekend adventures await you! Inside, you'll find a thoughtfully renovated interior with updates over the years including a newer roof (2019), updated electrical panel, plumbing, windows, interior freshly painted and more. The updated kitchen is a standout with stainless steel appliances, a wine refrigerator, modern backsplash, large stainless sink, plenty of counter space and an abundance of natural light. Freshly refinished hardwood floors add warmth throughout, while the gas fireplace adds a cozy focal point.
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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 — 2019 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely septic · Private well (public record)
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).
Solar potential: ~1,731 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.
Closest beach parking
16th Ave Sabout 14 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 0.4 mi · St. Johns River - Goodby's Creek
Closest kayak & paddleboard launch
Alejandro Garces Camp Tomahawk Park Paddlecraft Accessabout 0.8 mi · Goodby's Creek
Closest youth league fields
David A. & Linda B. Stein Jewish Community Allianceabout 0.7 mi · Basketball
Closest grocery store
Aldiabout 1 mi · 8775 Old Kings Road South, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $499,725 | $499,725 | ▼ $7,316 |
| 2025 | $501,079 | $501,079 | ▲ $21,217 |
| 2024 | $480,825 | $480,825 | ▲ $6,535 |
| 2023 | $482,235 | $203,691 | ▼ $7,417 |
| 2022 | $481,411 | $196,302 | — |
| 2021 | $243,430 | $189,129 | — |
| 2020 | $239,606 | $185,828 | — |
2025 property taxes (current owner): $9,274/yr
Estimated taxes if purchased at asking price: ~$10,800/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 3,601 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
History
Price & status history
- Oct 1, 2026Price change$549,900−$25,000
- Sep 1, 2026Price change$574,900−$10,100
- Jul 21, 2026Price change$585,000−$10,000
- May 1, 2026Listed$595,000
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 $213/sq ft; this home is listed at $393/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 8781 Goodbys Cove Drive, Jacksonville, FL 32217Listed by UNITED REAL ESTATE GALLERY | Nov 2026 | $340,000 | $234 | 3/2 | 1,452 | 124 | 0.5 |
| 8457 San Ardo Drive, Jacksonville, FL 32217Listed by AMERICAN REAL ESTATE SOLUTIONS LLC | Oct 2026 | $300,000 | $176 | 3/2 | 1,704 | 49 | 0.7 |
| 9042 Warwickshire Road, Jacksonville, FL 32257Listed by DOUGLAS ELLIMAN FLORIDA | Sep 2026 | $310,000 | $213 | 3/2 | 1,456 | 2 | 0.7 |
| 4931 N Southwark Drive, Jacksonville, FL 32257Listed by FADER & CO REALTY LLC | Sep 2026 | $298,000 | $187 | 3/2 | 1,592 | 0 | 0.7 |
| 4059 Corrientes Court S, Jacksonville, FL 32217Listed by IDEAL REALTY CONNECTIONS | Oct 2026 | $404,000 | $259 | 2/2 | 1,557 | 73 | 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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SERVICE REALTY, LLC
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
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines