Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville.

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Active Under Contract

Active Under Contract·53 days on market

560 Mandalay Road

Jacksonville, FL 32216

$354,900$189/sqftEst. $1,830/moMLS# 2150806

Beds

Baths

1,879

Sq Ft

1957

Built

Garage

Pool

About this home

Jacksonville

Welcome to this charming 3BR/2BA solid brick home on a spacious corner lot with mature landscaping and a welcoming covered front porch. Inside, a foyer and dining area with wood-look flooring flow into a bright, oversized family room featuring vaulted ceilings and a full wall of built-in shelving for added storage. The kitchen offers updated stainless appliances, a large farmhouse sink, and extended prep space that can double as a coffee bar. The primary suite includes an oversized walk-in closet for exceptional storage and bath with walk-in shower. A dedicated laundry area with built-ins allows full use of the two-car garage with epoxy flooring. Enjoy the fully fenced backyard with a paver patio, large wood deck, and powered shed--ideal for storage or hobbies. Major updates include roof (2021), HVAC (2024), electrical panel (2017), blown-in attic insulation, and an irrigation system on a well. This home blends comfort, functionality, and thoughtful updates--don't miss out!

Cost to own

Mortgage calculator

Home Price

$354,900

Down Payment: 20%

$70,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,830

Principal & Interest: $1,830

Property taxes (est.): $580

Insurance (est.): $237

Estimated Total Monthly

$2,646

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,830

Property taxesest. at asking price, Duval County$579

Estimated total, before insurance$2,410/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$269,871	$199,221	—
2024	$242,899	$192,899	—
2023	$251,765	$201,765	▲ $15,183
2022	$228,314	$228,314	▲ $14,231
2021	$183,430	$65,448	▲ $10,828
2020	$168,009	$63,855	—

Estimated taxes if purchased at asking price: ~$7,000/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 — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,761 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