This home is in Jacksonville.
Sold·Closed Sep 4, 2026·56 days on market·Recent sales in Mandarin
10388 Arrow Lakes Drive E
Jacksonville, FL 32257
About this home
Jacksonville
Welcome home to this charming waterfront retreat in the heart of Mandarin! Nestled along a peaceful lake, this beautifully maintained single-story residence offers 3 bedrooms, 2 bathrooms, and a desirable split-bedroom floor plan designed for both comfort and privacy. The inviting living and dining areas are anchored by a cozy fireplace, creating the perfect space to relax or entertain. The functional kitchen provides ample workspace and convenient access to the garage for everyday ease. Enjoy tranquil water views from your backyard and the serenity of a quiet, established neighborhood. Ideally located just minutes from shopping, dining, parks, and major commuter routes, this home combines lakeside living with exceptional convenience.
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 1983)
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: ~1,216 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $249,146 | $198,424 | — |
| 2024 | $244,044 | $194,044 | — |
| 2023 | $239,659 | $189,659 | — |
| 2022 | $198,987 | $180,294 | ▲ $10,317 |
| 2021 | $163,904 | $163,904 | ▲ $10,917 |
| 2020 | $149,341 | $51,909 | — |
2025 property taxes (current owner): $4,067/yr
Estimated taxes if purchased at asking price: ~$3,900/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
- Sep 8, 2026Closed$279,999
- Aug 14, 2026Pending$279,999
- Jul 28, 2026Price change$279,999−$10,001
- Jul 17, 2026Price change$290,000−$9,000
- Jun 19, 2026Listed$299,000
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 $263/sq ft; this home is listed at $225/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 10397 Arrow Lakes Court, Jacksonville, FL 32257Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $365,000 | $265 | 3/2 | 1,378 | 3 | 0.1 |
| 3839 Arrow Lakes Drive S, Jacksonville, FL 32257Listed by THE HOA COLLECTIVE LLC | Aug 2026 | $275,000 | $263 | 2/2 | 1,044 | 1 | 0.1 |
| 3748 Arrow Forest Drive, Jacksonville, FL 32257Listed by RE/MAX SPECIALISTS | Aug 2026 | $290,000 | $229 | 2/2 | 1,266 | 17 | 0.2 |
| 3622 Ballestero Drive S, Jacksonville, FL 32257Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Oct 2026 | $379,900 | $276 | 3/2 | 1,376 | 33 | 0.5 |
| 10620 Hampton Road, Jacksonville, FL 32257Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $390,000 | $243 | 4/2 | 1,608 | 40 | 0.5 |
| 3890 Bald Eagle Lane, Jacksonville, FL 32257Listed by WATSON REALTY CORP | Aug 2026 | $370,000 | $240 | 3/2 | 1,540 | 21 | 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: DJ & LINDSEY 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 Sep 4, 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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