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 Lake Mandarin, Jacksonville — a waterfront home in Jacksonville.

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Pending

Pending·79 days on market·Lake Mandarin

3520 Peerless Dock Court

Jacksonville, FL 32223

$370,000$234/sqftEst. $1,887/moMLS# 2145341

Beds

Baths

1,578

Sq Ft

1981

Built

Garage

Pool

About this home

Lake Mandarin

HIGHLY MOTIVATED SELLERS! Beautifully updated lakefront 3-bedroom, 2-bath home located in the desirable Lake Mandarin community! This home features stunning views of the peaceful spring-fed lake, an open layout, wood flooring throughout the main living areas, and a renovated kitchen with solid wood, sleek gray cabinetry, stainless steel appliances, sleek countertops, and recessed lighting. Enjoy relaxing or entertaining in the oversized screened-in porch overlooking the peaceful spring-fed lake, complete with your own dock and serene backyard setting. The spacious primary suite offers ample closet space, while the updated bathrooms add charm and character throughout the home. Exterior features include modern curb appeal, a 2-car garage, and a brand-new roof installed in 2025 Conveniently located near shopping, dining, parks, and major roadways while still offering a quiet waterfront retreat featuring a spring fed lake. Flood insurance is not required. Home is vacant and easy to show

Cost to own

Mortgage calculator

Home Price

$370,000

Down Payment: 20%

$74,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,887

Principal & Interest: $1,887

Property taxes (est.): $604

Insurance (est.): $247

Estimated Total Monthly

$2,737

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,887

Property taxesest. at asking price, Duval County$604

HOAbilled annually$27

Estimated total, before insurance$2,517/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,460/yr · $372/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: $319,900 in January 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$275,189	$221,540	▲ $11,000
2024	$264,589	$214,589	—
2023	$268,059	$81,706	▲ $25,345
2022	$233,417	$77,870	▲ $28,790
2021	$173,968	$74,146	▼ $3,054
2020	$172,062	$72,432	▲ $4,871

2025 property taxes (current owner): $4,460/yr

Estimated taxes if purchased at asking price: ~$7,200/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.