This home is in Jacksonville.
Sold·Closed Jul 17, 2026·1 day on market·Recent sales in Mandarin
3955 Cedar Cove Lane
Jacksonville, FL 32257
About this home
Jacksonville
Welcome to this beautifully maintained 3-bedroom, 2-bathroom home offering 1,625 square feet of comfortable living space. Situated on a spacious corner lot with mature landscaping in a desirable community with NO HOA, this property perfectly combines modern convenience with timeless appeal. The thoughtfully designed floor plan features an open living and dining room combination anchored by a striking coquina fireplace and flooded with abundant natural light. The well-appointed kitchen boasts granite countertops, a new microwave, travertine flooring, a breakfast nook, and a pantry hidden by a stylish barn door. The primary suite offers a private retreat complete with both a standard closet and a walk-in closet, alongside a walk-in shower. Two additional bedrooms provide great flexibility for family, guests, or a home office. Step outside through one of two sets of French doors into a screened-in patio that backs up wooded preserve. --perfect for entertaining or relaxing year-round.
Next steps in Mandarin
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1985)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,615 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 homeThis 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $285,553 | $0 | — |
| 2024 | $270,882 | $0 | — |
| 2023 | $262,586 | $0 | — |
| 2022 | $250,341 | $0 | — |
| 2021 | $189,499 | $0 | ▲ $10,361 |
| 2020 | $174,449 | $0 | — |
2025 property taxes (current owner): $384/yr
Estimated taxes if purchased at asking price: ~$7,300/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.
History
Price & status history
- Jul 27, 2026Closed$374,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $246/sq ft; this home is listed at $223/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4067 Bald Eagle Lane, Jacksonville, FL 32257Listed by DJ & LINDSEY REAL ESTATE | Sep 2026 | $410,000 | $246 | 3/2 | 1,670 | 3 | 0.2 |
| 10397 Arrow Lakes Court, Jacksonville, FL 32257Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $365,000 | $265 | 3/2 | 1,378 | 3 | 0.3 |
| 3658 Hampton Glen Place, Jacksonville, FL 32257Listed by WATSON REALTY CORP | Sep 2026 | $355,000 | $229 | 3/2 | 1,550 | 1 | 0.3 |
| 3622 Ballestero Drive S, Jacksonville, FL 32257Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Oct 2026 | $379,900 | $276 | 3/2 | 1,376 | 33 | 0.4 |
| 10348 Sequoya Drive, Jacksonville, FL 32257Listed by HESTIA REAL ESTATE SERVICES, INC. | Sep 2026 | $360,000 | $179 | 4/3 | 2,011 | 39 | 0.4 |
| 10620 Hampton Road, Jacksonville, FL 32257Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $390,000 | $243 | 4/2 | 1,608 | 40 | 0.5 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HARRIS REAL ESTATE
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.
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Krista Fracke
Broker Associate
This home sold on Jul 17, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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