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This home is in Lake Mandarin, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·44 days on market·Lake Mandarin

11117 Zephyr Way

Jacksonville, FL 32223

$399,990$218/sqftEst. $2,039/moMLS# 2150482

Beds

Baths

1,833

Sq Ft

1978

Built

Garage

Pool

About this home

Lake Mandarin

This beautiful split level home offers 1883 sq ft with 3 bedrooms & 3 full bathrooms in the heart of highly sought after Mandarin. This lakeside hideaway with a coastal soul is located on a cul-de-sac with direct access to the spring-fed Lake Mandarin. Designed with elegance and functionality in mind. This home features a bright open floorplan. The gourmet chef's kitchen boasts sleek quartz countertops, a spacious center island with a breakfast bar & stainless-steel appliances. The kitchen flows seamlessly into the open -concept dining and living area, making it ideal for hosting gatherings & staying connected with guests while enjoying breathtaking views of the lake. Sit down and relax in the spacious family room with soaring 14 foot ceilings and enjoy cozy, tranquil nights nestled in front of a wood-burning fireplace. The 1st floor offers a bedroom which is currently used as a home office, with a full bathroom conveniently located just steps away. See more........

Cost to own

Mortgage calculator

Home Price

$399,990

Down Payment: 20%

$79,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,039

Principal & Interest: $2,039

Property taxes (est.): $653

Insurance (est.): $267

Estimated Total Monthly

$2,959

*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$2,039

Property taxesest. at asking price, Duval County$653

HOAbilled annually$25

Estimated total, before insurance$2,718/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,740/yr · $228/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

Year	Market value	Taxable value	Change
2025	$286,714	$124,593	▲ $11,000
2024	$276,065	$120,375	▼ $247
2023	$284,856	$115,413	▲ $24,317
2022	$250,087	$110,596	▲ $30,275
2021	$186,495	$105,919	▼ $3,454
2020	$184,367	$103,767	▲ $5,253

2025 property taxes (current owner): $2,740/yr

Estimated taxes if purchased at asking price: ~$7,800/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 1978)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,697 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 17, 2026Price change$399,990−$7,510
Jun 19, 2026Listed$407,500

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

Features

Price$399,990

Price / Sq Ft$218

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,833

Acres0.11 acres

Year Built1978

TypeResidential

Sub-TypeSingle Family Residence

StylePatio Home

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address11117 Zephyr Way, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionLake Mandarin

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size4,791.6 sq ft

Parcel Number1564112240

ZoningResidential

Amenities

AmenitiesPark, Pickleball

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingDetached, Garage, Garage Door Opener

ViewLake

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Electric Range, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric, Split System

FlooringStone, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup