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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Sold

Sold·Closed Jun 30, 2026·7 days on market·Recent sales in Mandarin

11302 Finchley Lane

Jacksonville, FL 32223

$389,000sold priceListed at $389,000 · 100% of asking$209/sqftMLS# 2148208
4
Beds
2
Baths
1,858
Sq Ft
1998
Built
2
Garage
No
Pool
HOA $16/mo6,098 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Welcome to this charming 4-bedroom, 2-bath home tucked away on a quiet cul-de-sac in one of Mandarin's premium communities. Inside, a spacious living space with a wood-burning fireplace create an inviting atmosphere, complemented by high vaulted ceilings, coastal paint tones, and updated flooring throughout the main living areas. Featuring a brand-new AC system and windows for improved energy efficiency. The kitchen offers ample counter space, cabinetries, and a convenient breakfast bar perfect for everyday meals or gathering with guests. A desirable split-bedroom floor plan provides added privacy, while the spacious primary suite features a large walk-in closet, dual vanities, a relaxing soaking tub with shower. Just beyond the living room is the screened patio overlooking a fully fenced backyard, ideal for enjoying Florida's year-round outdoor living. Conveniently located near I-295, shopping, dining, healthcare facilities, and top-rated Mandarin schools: this home offers both

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,155
Property taxesest. at asking price, Duval County$635
HOAbilled annually$16
Estimated total, before insurance$2,806/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,068/yr · $256/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$389,000
$77,800
Loan Term
Monthly Payment
$2,155
Principal & Interest: $2,155
Property taxes (est.): $635
Insurance (est.): $259
Estimated Total Monthly
$3,049
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

YearMarket valueTaxable valueChange
2025$323,078$142,073—
2024$301,003$137,362—
2023$291,952$131,905—
2022$281,300$126,607—
2021$221,958$121,464▲ $15,000
2020$201,302$119,097▲ $5,000

2025 property taxes (current owner): $3,068/yr

Estimated taxes if purchased at asking price: ~$7,600/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.

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 $223/sq ft; this home is listed at $209/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11450 Dustin Court, Jacksonville, FL 32223Listed by LEGACY REALTY GROUP NORTH FLORIDA INCSep 2026$350,000$2393/21,463240.2
4321 Pathwood Way, Jacksonville, FL 32257Listed by JWB REALTY LLCSep 2026$265,000$1913/2.51,390640.7
3386 Laurel Grove S, Jacksonville, FL 32223Listed by HERRON REAL ESTATE LLCSep 2026$335,000$2423/21,382200.7
3342 Sarah Spaulding Drive, Jacksonville, FL 32223Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$375,000$2234/21,681580.8
3407 Fairbanks Grant Road N, Jacksonville, FL 32223Listed by SUMMER BREEZE REALTYSep 2026$317,000$2083/21,527950.8
3401 Parson Court, Jacksonville, FL 32223Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$289,000$1913/21,517540.8

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

Price$389,000
Price / Sq Ft$209
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,858
Acres0.14 acres
Year Built1998
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryLoretto
MiddleMandarin

Community Information

Address11302 Finchley Lane, Jacksonville, FL 32223
Area014-Mandarin
SubdivisionChapelgate
CityJacksonville
CountyDuval
StateFL
Zip Code32223
Lot Size6,098.4 sq ft
Parcel Number1564190205
ZoningResidential

Amenities

Community FeaturesSidewalks
UtilitiesElectricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingOther, Attached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Other
AppliancesOther, Dishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Patio, Screened
FencingFenced, Back Yard
Road SurfaceAsphalt

Additional Information

Date ListedJune 4, 2026
Days on Market7
HOA Fees$193 / Annually
HOA FrequencyAnnually
Tax Amount$3,067.71
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ROUND TABLE REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 30, 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.

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20+ years · 500+ closings · NE Florida

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