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This home is in Jacksonville — a home near Mandarin High School.

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Active

Active·67 days on market

12703 Deeder Lane

Jacksonville, FL 32258

$310,000$261/sqftEst. $1,581/moMLS# 2147559

Beds

Baths

1,188

Sq Ft

1980

Built

Garage

Pool

About this home

Jacksonville

Perfectly positioned in the heart of Mandarin, this charming bungalow offers a rare combination of character, space, and endless potential in a prime location. Warm and inviting from the moment you arrive, the home features updated flooring throughout, ample natural light and a layout full of flexibility. The oversized screened lanai is ideal for entertaining, unwinding, or enjoying your morning coffee while overlooking the expansive backyard. With plenty of room to garden, add a pool, or add on over time, the outdoor possibilities are endless. An extended driveway provides ample parking and everyday convenience. Whether you're a first-time homebuyer, looking to downsize without sacrificing outdoor space, or searching for a property with room to personalize and grow, this Mandarin home is the perfect opportunity to create something special in one of Jacksonville's most established and desirable neighborhoods.

Cost to own

Mortgage calculator

Home Price

$310,000

Down Payment: 20%

$62,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,581

Principal & Interest: $1,581

Property taxes (est.): $506

Insurance (est.): $207

Estimated Total Monthly

$2,293

*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$1,581

Property taxesest. at asking price, Duval County$506

Estimated total, before insurance$2,087/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,589/yr · $299/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: $299,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$227,166	$171,444	—
2024	$228,337	$173,337	—
2023	$182,266	$182,266	—
2022	$190,747	$82,660	▲ $11,646
2021	$151,423	$78,797	—
2020	$142,074	$77,019	▲ $7,523

2025 property taxes (current owner): $3,589/yr

Estimated taxes if purchased at asking price: ~$6,100/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 1980)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from JEA per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,522 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 21, 2026Price change$310,000−$5,000
May 28, 2026Listed$315,000

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

Features

Price$310,000

Price / Sq Ft$261

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,188

Acres0.17 acres

Year Built1980

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryGreenland Pines

MiddleTwin Lakes Academy

HighMandarin

Community Information

Address12703 Deeder Lane, Jacksonville, FL 32258

Area014-Mandarin

SubdivisionDel Rio

CityJacksonville

CountyDuval

StateFL

Zip Code32258

Lot Size7,405.2 sq ft

Parcel Number1573870000

ZoningResidential

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingOther, Attached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Other

AppliancesOther, Dishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)