This home is in Mandarin, Jacksonville.

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Pending

Pending·46 days on market·Mandarin

3955 Cedar Cove Lane

Jacksonville, FL 32257

$374,900$223/sqftEst. $1,906/moMLS# 2148649

Beds

Baths

1,680

Sq Ft

1985

Built

Garage

Pool

About this home

Mandarin

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.

Cost to own

Mortgage calculator

Home Price

$374,900

Down Payment: 20%

$74,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,906

Principal & Interest: $1,906

Est. Taxes & Insurance: $476

Estimated Total Monthly

$2,382

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$1,906

Property taxesest. at asking price, Duval County$612

Estimated total, before insurance$2,518/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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.

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 home

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.

Features

Price$374,900

Price / Sq Ft$223

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,680

Acres0.36 acres

Year Built1985

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3955 Cedar Cove Lane, Jacksonville, FL 32257

Area013-Beauclerc/Mandarin North

SubdivisionMandarin

CityJacksonville

CountyDuval

StateFL

Zip Code32257

Lot Size15,681.6 sq ft

Lot Dimensions100 x 155

Parcel Number1557490200

Amenities

UtilitiesCable Available, Cable Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Washer, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump, Hot Water

CoolingCentral Air

FlooringCarpet, Laminate, Tile

FireplaceYes

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Garage

SecuritySmoke Detector(s)