This home is in Jacksonville — a home near Mandarin High School.
Sold·Closed Aug 6, 2026·20 days on market·Recent sales in Mandarin
3737 Loretto Road 905
Jacksonville, FL 32223
About this home
Jacksonville
Cute 2 Bedroom/2 Bath Condo in the heart of Mandarin South. Laminate flooring throughout w/ Living Room & Dining area. Primary Bedroom w/large walk-in closet & attached bath. Ceiling Fans/lights in all Bedrooms & Living Room. Sliders open to sweet balcony for morning coffee & evening cocktails. Full Kitchen includes Refrigerator, Dishwasher, Cooktop Stove, Mounted Microwave & solid surface countertops. Full size washer/dryer included sold ''as-is''. AC replaced 2022. Condo replaced roofs about 2 years ago. Community pool. Walk to Loretto Elementary. Minutes to all shops & restaurants in Mandarin South + quick access to both I-95 & I-295!
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 (that applies to the reference bill above too).
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.
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 1986)
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.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,765 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 homeAs 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $133,000 | $133,000 | — |
| 2024 | $133,000 | $125,950 | ▲ $18,500 |
| 2023 | $114,500 | $114,500 | — |
| 2022 | $114,500 | $105,270 | — |
| 2021 | $96,000 | $95,700 | — |
| 2020 | $87,000 | $87,000 | — |
2025 property taxes (current owner): $2,389/yr
Estimated taxes if purchased at asking price: ~$2,900/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
- Aug 10, 2026Closed$149,900
- Jun 5, 2026Listed$149,900
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 $179/sq ft; this home is listed at $165/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3737 Loretto Road 703, Jacksonville, FL 32223Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Jul 2026 | $140,000 | $154 | 2/2 | 908 | 7 | 0 |
| 3737 Loretto Road 104, Jacksonville, FL 32223Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Mar 2026 | $116,500 | $175 | 1/1 | 666 | 78 | 0 |
| 11432 Godfrey Way, Jacksonville, FL 32223Listed by ONE REALTY CORP | May 2026 | $125,000 | $116 | 3/2 | 1,082 | 12 | 0.5 |
| 3554 Tiara Way W, Jacksonville, FL 32223Listed by ERA ONETEAM REALTY | Oct 2026 | $170,000 | $179 | 2/2 | 948 | 19 | 0.6 |
| 11432 Skipjack Way S, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Jul 2026 | $240,000 | $225 | 3/2 | 1,068 | 69 | 0.6 |
| 3416 Islander Way, Jacksonville, FL 32223Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Aug 2026 | $249,000 | $220 | 2/2 | 1,130 | 96 | 0.7 |
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: BRIDGE & BEACON REAL ESTATE LLC
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 Aug 6, 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
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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