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 Mandarin, Jacksonville — a home near Mandarin High School.

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Active

Active·44 days on market·Mandarin

4242 Hillwood Road

Jacksonville, FL 32223

$998,900$438/sqftEst. $5,141/moMLS# 2154055

Beds

Baths

2,281

Sq Ft

1963

Built

Garage

Pool

About this home

Mandarin

RARE 2 ACRE WATERFRONT OPPORTUNITY ON JULINGTON CREEK! Your chance to create the 'waterfront forever home' is here. Imagine custom building your perfect sanctuary on this extraordinary 2.178-acre lot in Mandarin with waterway access to Julington Creek and the St Johns River. Or custom build a primary home with a guest home - the possibilities are endless. The estate includes a single family home, a private canal, 2 docks, boat lift, and gazebo. This rare find offers the ultimate canvas to bring your vision to life. Fishing enthusiasts will find great value in the main dock, boat lift, and ramp with water and electric. A scenic 700-foot path winds through the estate, leading to a second dock, charming gazebo equipped with fish-cleaning stations, water, and electric-perfect for avid anglers or watch the serene sunsets. Also included is a double jet ski ramp for endless aquatic adventures. Adjacent 2.664 acre lot can be purchased separately for a combined package.

Cost to own

Mortgage calculator

Home Price

$998,900

Down Payment: 20%

$199,780

Interest Rate: 6.67%

Loan Term

Monthly Payment

$5,141

Principal & Interest: $5,141

Property taxes (est.): $1,631

Insurance (est.): $666

Estimated Total Monthly

$7,438

*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$5,141

Property taxesest. at asking price, Duval County$1,631

Estimated total, before insurance$6,772/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,126/yr · $1,011/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	$675,144	$651,835	—
2024	$592,578	$592,578	▲ $24,336
2023	$583,450	$583,450	—
2022	$567,491	$567,491	—
2021	$459,100	$459,100	—
2020	$450,453	$450,453	—

2025 property taxes (current owner): $12,126/yr

Estimated taxes if purchased at asking price: ~$19,600/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: Shingle — year not disclosed (home built 1963)

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

Septic system (public record) · 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).

Solar potential: ~1,336 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 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