This home is in Jacksonville — a home near Mandarin High School.
Sold·Closed Aug 21, 2026·63 days on market·Recent sales in Mandarin
11858 S Narrow Oak Lane
Jacksonville, FL 32223
About this home
Jacksonville
No HOA and no CDD and an oversized lot in the heart of Mandarin! This charming home blends character with modern updates, including a freshly renovated kitchen, newer hot water heater and updated electrical panel (all within the last 3 years). A central wood-burning fireplace anchors the living spaces, separating the formal dining, living and family room combo, while a large bonus room and enclosed patio give you flexible options for office, playroom or extra lounge space. Outside, you'll find a larger backyard with room for a pool and gardening, plus a workshop-style shed with its own window-unit AC. All just minutes from top shopping, dining and everyday conveniences. Schedule your showing today! Home sold as is.
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.
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.
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: ~1,525 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $389,000 in February 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $338,224 | $287,502 | — |
| 2024 | $329,082 | $279,082 | ▲ $17,633 |
| 2023 | $327,117 | $327,117 | — |
| 2022 | $315,305 | $120,020 | — |
| 2021 | $222,342 | $115,068 | — |
| 2020 | $216,173 | $112,789 | ▲ $8,000 |
2025 property taxes (current owner): $5,630/yr
Estimated taxes if purchased at asking price: ~$7,900/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.
History
Price & status history
- Aug 23, 2026Closed$409,000
- Jul 17, 2026Pending$409,000
- Jul 10, 2026Price change$409,000−$6,000
- May 14, 2026Listed$415,000
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 $209/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3869 Marnie Place, Jacksonville, FL 32223Listed by INI REALTY | Oct 2026 | $490,000 | $202 | 4/2 | 2,431 | 92 | 0.6 |
| 3250 Tea Rose Drive, Jacksonville, FL 32223Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Oct 2026 | $392,000 | $182 | 4/3 | 2,157 | 78 | 0.7 |
| 11450 Dustin Court, Jacksonville, FL 32223Listed by LEGACY REALTY GROUP NORTH FLORIDA INC | Sep 2026 | $350,000 | $239 | 3/2 | 1,463 | 24 | 0.8 |
| 3044 Marbon Estates Lane S, Jacksonville, FL 32223Listed by HOUWZER, INC. | Sep 2026 | $340,000 | $220 | 3/2 | 1,543 | 4 | 1.1 |
| 3745 Dogwood Hill Terrace, Jacksonville, FL 32223Listed by NEXT MOVE ATLANTIC COAST | Sep 2026 | $507,000 | $229 | 4/3 | 2,210 | 8 | 1.1 |
| 3386 Laurel Grove S, Jacksonville, FL 32223Listed by HERRON REAL ESTATE LLC | Sep 2026 | $335,000 | $242 | 3/2 | 1,382 | 20 | 1.1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KST GROUP 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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 21, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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