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 Under Contract

Active Under Contract·44 days on market·Mandarin

12641 Mandarin Road

Jacksonville, FL 32223

$1,150,000$336/sqftEst. $5,906/moMLS# 2154086

Beds

Baths

3,425

Sq Ft

1992

Built

Garage

Pool

About this home

Mandarin

Stately 2-story red brick home custom built by the current owner and meticulously maintained with exceptional pride. Gorgeous hardwood floors flow throughout the home, while the spacious corner lot is framed by majestic oaks, professional landscaping and even lime trees in the backyard. Enjoy views of the St. Johns River just across the street from this beautiful Mandarin setting. The screened porch, opening from the breakfast room and kitchen, is a true retreat you may never want to leave. Chef's kitchen features a gas cooktop, center island and double ovens. Flexible bonus/playroom is ideal for children, media room or future theater. Private downstairs guest suite includes direct access from the backyard. Relax in the luxury backyard spa with cover. Upstairs primary suite offers a separate office/exercise room, walk-in closets with built-ins and a spa bath with separate shower. Huge walk-in attic, plus 3-car side-entry garage with room for taller vehicles and abundant storage.

Cost to own

Mortgage calculator

Home Price

$1,150,000

Down Payment: 20%

$230,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$5,906

Principal & Interest: $5,906

Property taxes (est.): $1,878

Insurance (est.): $767

Estimated Total Monthly

$8,550

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$5,906

Property taxesest. at asking price, Duval County$1,878

Estimated total, before insurance$7,784/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,483/yr · $540/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
2024	$577,074	$322,789	—
2023	$524,848	$311,932	—
2022	$477,798	$301,391	—
2021	$400,811	$291,157	▲ $5,138
2020	$384,659	$286,447	—

2025 property taxes (current owner): $6,483/yr

Estimated taxes if purchased at asking price: ~$22,500/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 (2024), 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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1992)

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).

Solar potential: ~1,479 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

Price & status history

Jul 14, 2026Active Under Contract$1,150,000
Jul 7, 2026Listed$1,150,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,150,000

Price / Sq Ft$336

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,425

Acres0.67 acres

Year Built1992

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesNorthwest

School Information

ElementaryLoretto

MiddleMandarin

HighMandarin

Community Information

Address12641 Mandarin Road, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionMandarin

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size29,185.2 sq ft

Lot Dimensions145' x 198'

Parcel Number1058360150

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Available, Water Connected, Propane

SewerSeptic Tank

Water SourceWell

ParkingAttached, Circular Driveway, Garage, Garage Door Opener

ViewRiver, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryLower Level, Sink

Window FeaturesSkylight(s)

SecuritySecurity Lights, Security System Owned, Smoke Detector(s)