Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Mandarin, Jacksonville — a home near Mandarin High School.

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Active Under Contract

Active Under Contract·117 days on market·Mandarin

3286 Marbon Road

Jacksonville, FL 32223

$505,000$198/sqftEst. $2,596/moMLS# 2143941

Beds

Baths

2,554

Sq Ft

1987

Built

Garage

Yes

Pool

About this home

Mandarin

Meet Marbon - a renovated Mandarin pool home with a split floor plan, vaulted ceilings, smart lock entry, and updates throughout. The kitchen has quartz countertops, stainless steel appliances, and opens into the main living areas, making the home feel connected and functional. Marbon also has a bonus/family room that works well as a second living space, game room, office, or movie room. Out back, there's a private pool, a spacious yard, and no HOA. Other updates include a newer A/C system approximately 3 years old, newer water heater, and a 2-car garage. Located in the Loretto Elementary, Mandarin Middle, and Mandarin High School district.

Cost to own

Mortgage calculator

Home Price

$505,000

Down Payment: 20%

$101,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,596

Principal & Interest: $2,596

Property taxes (est.): $825

Insurance (est.): $337

Estimated Total Monthly

$3,757

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$2,596

Property taxesest. at asking price, Duval County$825

Estimated total, before insurance$3,421/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,580/yr · $632/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).

Cost to own

Taxes & assessment

Last sold: $354,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$405,607	$405,607	—
2024	$415,507	$411,439	▼ $644
2023	$374,036	$374,036	▲ $43,082
2022	$318,063	$156,243	▲ $9,201
2021	$266,336	$150,236	—
2020	$245,196	$147,472	▲ $7,152

2025 property taxes (current owner): $7,580/yr

Estimated taxes if purchased at asking price: ~$9,900/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 — year not disclosed (home built 1987)

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

Likely septic · Public water · JEA

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: ~1,172 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