This home is in Jacksonville — a home near Mandarin High School.
Sold·Closed Aug 3, 2026·4 days on market·Recent sales in Mandarin
12810 Swamp Owl Lane
Jacksonville, FL 32258
About this home
Jacksonville
Welcome to this beautifully maintained single-story, all-brick 4-bedroom, 2-bath pool home in the heart of Mandarin, just off Julington Creek Road. With no HOA and no CDD fees, this home gives you the freedom to make the property your own. The updated kitchen features granite countertops, stainless steel appliances, added cabinetry in the breakfast nook, and custom cabinet lighting. The main living areas boast impressive 12-foot ceilings, while bamboo wood floors and a wood-burning fireplace add warmth and character. The front flex room offers endless possibilities as a formal living room, home office, homeschool space, playroom, or sitting area. Step outside to a screened lanai overlooking the sparkling pool and fully fenced backyard, complete with mature orange, lemon, and lime trees and a peaceful atmosphere that's ideal for birdwatching. The oversized side yard offers potential for future boat or RV parking. All of this is tucked away in the heart of Mandarin, just minutes from
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.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1990)
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. Municipal drinking water from JEA per the county inventory.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,318 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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 | $380,520 | $191,257 | ▼ $10,876 |
| 2024 | $391,948 | $185,160 | ▼ $695 |
| 2023 | $395,516 | $178,311 | — |
| 2022 | $313,412 | $171,662 | ▲ $11,000 |
| 2021 | $258,333 | $165,206 | — |
| 2020 | $251,282 | $162,235 | — |
2025 property taxes (current owner): $3,940/yr
Estimated taxes if purchased at asking price: ~$9,800/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.
History
Price & status history
- Aug 3, 2026Closed$499,000
- Jul 13, 2026Pending$499,000
- Jul 9, 2026Active$499,000
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 $248/sq ft; this home is listed at $232/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4477 Carolyn Cove Lane N, Jacksonville, FL 32258Listed by MOMENTUM REALTY | Sep 2026 | $375,000 | $248 | 3/2 | 1,512 | 4 | 0.4 |
| 12675 Filly Court, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Sep 2026 | $455,000 | $235 | 3/2.5 | 1,938 | 1 | 0.6 |
| 4149 Bridgeville Place, Jacksonville, FL 32223Listed by REAL BROKER LLC | Sep 2026 | $535,000 | $243 | 4/2 | 2,199 | 107 | 0.8 |
| 12527 Shady Creek Drive, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Sep 2026 | $445,000 | $250 | 3/2 | 1,782 | 24 | 0.8 |
| 5015 Herton Drive, Jacksonville, FL 32258Listed by HERRON REAL ESTATE LLC | Sep 2026 | $465,000 | $264 | 4/2 | 1,760 | 28 | 0.9 |
| 12160 Banyan Tree Drive, Jacksonville, FL 32258Listed by REAL ESTATE SOLUTIONS | Sep 2026 | $474,900 | $217 | 4/3 | 2,188 | 63 | 1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA'S CHOICE REALTY 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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 3, 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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