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This home is in Mandarin Lakes, Jacksonville.

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Active·86 days on market·Mandarin Lakes

11534 N Ride Circle E

Jacksonville, FL 32223

$334,900$225/sqftEst. $1,727/moMLS# 2145320

Beds

Baths

1,486

Sq Ft

1978

Built

Garage

Pool

About this home

Mandarin Lakes

**Future Home Loans will provide up to 1% lender credit for closing costs, prepaids or rate buy down when using Sean Rigsby with Future Home Loans.** Welcome to this beautiful brick home situated on a spacious corner lot in the highly desirable Mandarin area of Jacksonville. Conveniently located just minutes from a wide variety of restaurants, shopping centers, and grocery stores, this property offers both accessibility and freedom with no HOA restrictions. Start your mornings with a cup of coffee in the screened-in lanai while enjoying the peaceful sounds of nature, and unwind in the evenings on the charming paver front porch. Inside, you'll find a tasteful combination of tile and hardwood flooring, creating a modern aesthetic with low-maintenance living in mind. From the moment you arrive, the pride of ownership is evident in the meticulously maintained landscaping and overall curb appeal. This home has been thoughtfully cared for and is ready for its next owner!

Cost to own

Mortgage calculator

Home Price

$334,900

Down Payment: 20%

$66,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,727

Principal & Interest: $1,727

Property taxes (est.): $547

Insurance (est.): $223

Estimated Total Monthly

$2,497

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,727

Property taxesest. at asking price, Duval County$547

Estimated total, before insurance$2,274/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,566/yr · $130/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

Year	Market value	Taxable value	Change
2025	$287,228	$38,965	▼ $5,000
2024	$287,641	$35,610	—
2023	$276,448	$31,515	▲ $18,000
2022	$253,575	$32,039	—
2021	$197,946	$28,179	▲ $10,459
2020	$182,479	$51,403	▲ $4,746

2025 property taxes (current owner): $1,566/yr

Estimated taxes if purchased at asking price: ~$6,600/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: material not specified — year not disclosed (home built 1978)

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).

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