This home is in Jacksonville — a gated community home in Jacksonville.
Pending·158 days on market
9390 Underwing Way 7-2
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
NEW PRICE - $204,000! Enjoy the convenience of ground-floor living in this spacious 3-bedroom, 2-bath condo with an attached one-car garage, located in the gated Osprey Branch community in the heart of Mandarin. The generous split-bedroom floor plan provides plenty of room to relax, entertain, work from home, or welcome guests. The spacious living and dining area features attractive wood-look flooring and opens to a covered patio--perfect for enjoying your morning coffee or relaxing at the end of the day. The kitchen offers abundant cabinetry, a large pantry, and a dedicated laundry room for added convenience. Tucked away for privacy, the primary suite features a walk-in closet and private en-suite bath, while two additional bedrooms offer flexibility for family, guests, hobbies, or a home office. Enjoy low-maintenance living with a gated entrance, community pool, and clubhouse.
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,728 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 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, 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 6 mi · 4 mi of trails
Closest public boat ramp
Goodby's Creek Boat Rampabout 0.7 mi · St. Johns River - Goodby's Creek
Closest kayak & paddleboard launch
Alejandro Garces Camp Tomahawk Park Paddlecraft Accessabout 1 mi · Goodby's Creek
Closest youth league fields
David A. & Linda B. Stein Jewish Community Allianceabout 1 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
Last sold: $220,000 in April 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $188,000 | $188,000 | ▲ $7,000 |
| 2024 | $181,000 | $181,000 | — |
| 2023 | $181,000 | $181,000 | — |
| 2022 | $151,500 | $75,145 | — |
| 2021 | $121,500 | $71,500 | — |
| 2020 | $115,000 | $115,000 | — |
2025 property taxes (current owner): $3,356/yr
Estimated taxes if purchased at asking price: ~$4,000/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.
History
Price & status history
- Sep 25, 2026Pending$204,000
- Aug 13, 2026Price change$204,000−$10,000
- May 13, 2026Listed$214,000
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 $151/sq ft; this home is listed at $159/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 9420 Osprey Branch Trail 9, Jacksonville, FL 32257Listed by WATSON REALTY CORP | Sep 2026 | $147,900 | $137 | 2/2 | 1,079 | 64 | 0.1 |
| 9556 Armelle Way 16, Jacksonville, FL 32257Listed by SPECTRUM REALTY SERVICES | Oct 2026 | $145,000 | $125 | 3/2 | 1,157 | 170 | 0.4 |
| 4295 Edgewater Crossing Drive 4-3, Jacksonville, FL 32257Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $315,000 | $201 | 2/2 | 1,567 | 2 | 0.5 |
| 9626 Belda Way 7, Jacksonville, FL 32257Listed by PREMIER HOMES REALTY INC | Oct 2026 | $175,000 | $151 | 3/2 | 1,157 | 132 | 0.5 |
| 4365 Edgewater Crossing Drive 11-3, Jacksonville, FL 32257Listed by MARK SPAIN REAL ESTATE | Sep 2026 | $235,000 | $187 | 2/2 | 1,259 | 3 | 0.5 |
| 3904 Via Di Olivia Court 40, Jacksonville, FL 32257Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Sep 2026 | $185,000 | $146 | 3/2 | 1,269 | 165 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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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