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This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·74 days on market

4544 Singletary Road

Jacksonville, FL 32257

$407,000$231/sqftEst. $2,075/moMLS# 2146404

Beds

Baths

1,764

Sq Ft

1996

Built

Garage

Pool

About this home

Jacksonville

SELLERS HAVE FOUND THEIR NEW HOME - THEY ARE READY TO MOVE - BRING US AN OFFER!!!!! Welcome to your own private waterfront retreat in the heart of Mandarin. Perfectly positioned on a picturesque lake, this beautifully renovated (2024) four-bedroom, two-bath home offers the ideal blend of modern luxury, timeless design, and breathtaking views. From the moment you arrive, you'll be captivated by the home's exceptional curb appeal. A newly widened and paved driveway leads to lush, professionally designed landscaping and vibrant gardens that create a stunning welcome and provide year-round beauty. Inside, an impressive open floor plan with soaring vaulted ceilings and premium engineered hardwood flooring creates a bright, airy atmosphere designed for both everyday living and effortless entertaining.

Cost to own

Mortgage calculator

Home Price

$407,000

Down Payment: 20%

$81,400

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,075

Principal & Interest: $2,075

Property taxes (est.): $665

Insurance (est.): $271

Estimated Total Monthly

$3,011

*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$2,075

Property taxesest. at asking price, Duval County$665

HOAbilled annually$15

Estimated total, before insurance$2,754/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,012/yr · $418/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	$303,409	$252,687	—
2024	$311,885	$261,885	▲ $12,509
2023	$309,060	$247,512	—
2022	$272,491	$225,011	—
2021	$204,556	$204,556	—
2020	$194,569	$194,569	—

2025 property taxes (current owner): $5,012/yr

Estimated taxes if purchased at asking price: ~$8,000/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.

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 1996)

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: ~1,701 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 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

Price & status history

Jul 24, 2026Price change$407,000−$8,000
May 21, 2026Listed$415,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$407,000

Price / Sq Ft$231

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,764

Acres0.30 acres

Year Built1996

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryMandarin Oaks

MiddleMandarin

HighMandarin

Community Information

Address4544 Singletary Road, Jacksonville, FL 32257

Area013-Beauclerc/Mandarin North

SubdivisionBentley Woods

CityJacksonville

CountyDuval

StateFL

Zip Code32257

Lot Size13,068 sq ft

Parcel Number1590091310

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air

FlooringLaminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Lower Level

SecuritySmoke Detector(s)