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

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Active

Active·45 days on market·Mandarin

3120 Julington Creek Road

Jacksonville, FL 32223

$3,900,000$366/sqftEst. $20,071/moMLS# 2153738

Beds

Baths

10,654

Sq Ft

1973

Built

—

Garage

Pool

About this home

Mandarin

Rare 4+/-acre waterfront estate site on navigable Julington Creek with deep-water access to the St. Johns River. A full 200 ft of private creek frontage on a parcel running ~820 ft deep, this is one of the last assemblage-scale waterfront tracts in Mandarin. Existing covered dock sits in 6-9 ft of water. Three paths for any buyer: (1) renovate the existing ~10,000 SF home, already taken to the studs and ready for your vision; (2) tear down and build a custom waterfront estate; or (3) subdivide. Zoned RLD-90 (3-7 units/acre), the tract may support a split into multiple buildable lots, waterfront and street-front for new construction (buyer to verify with City/County). Developers, investors, and waterfront buyers: opportunities like this on direct deep water rarely come available. Minutes to San Jose Blvd, I-295, top schools, and dining. Bring your builder, your blueprints, or your boat.

Cost to own

Mortgage calculator

Home Price

$3,900,000

Down Payment: 20%

$780,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$20,071

Principal & Interest: $20,071

Property taxes (est.): $6,368

Insurance (est.): $2,600

Estimated Total Monthly

$29,039

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$20,071

Property taxesest. at asking price, Duval County$6,368

Estimated total, before insurance$26,439/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$26,913/yr · $2,243/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	$1,531,678	$1,381,321	—
2024	$1,344,695	$1,255,747	▼ $308
2023	$1,378,493	$1,141,589	▲ $197,348
2022	$1,092,196	$1,037,809	▲ $91,675
2021	$943,463	$943,463	—
2020	$927,022	$927,022	—

2025 property taxes (current owner): $26,913/yr

Estimated taxes if purchased at asking price: ~$76,400/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1973)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

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