This home is in Lake Mandarin, Jacksonville.

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Active·Listed today·Lake Mandarin

3386 Sarah Spaulding Drive

Jacksonville, FL 32223

$369,900$227/sqftEst. $1,969/moMLS# 2154656

Beds

Baths

1,633

Sq Ft

1980

Built

Garage

Pool

About this home

Lake Mandarin

Welcome home to this beautifully maintained 3-bedroom, 2-bath home in the heart of Mandarin. This move-in-ready home features hardwood floors and ceiling fans throughout, along with a formal dining room, and a cozy breakfast nook. There is a walk-in closet in the generously sized primary suite. The inviting living area includes a cozy electric fireplace, while the 2-car garage offers a utility sink, storage bump-out, and attic storage with a pull-down ladder. Outside, enjoy a long driveway, mature trees, and a fully fenced backyard with a new deck and sitting area--perfect for relaxing or entertaining. A French drain system provides excellent drainage for added peace of mind. Combining comfort, thoughtful features, and a desirable location, this home is ready for you to make it your own.

Cost to own

Mortgage calculator

Home Price

$369,900

Down Payment: 20%

$73,980

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,969

Principal & Interest: $1,969

Est. Taxes & Insurance: $492

Estimated Total Monthly

$2,461

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$1,969

Property taxesest. at asking price, Duval County$604

HOAbilled annually$27

Estimated total, before insurance$2,599/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2022	$226,880	$68,156	—
2021	$189,769	$64,715	▲ $10,785
2020	$173,771	$63,132	▲ $13,775

2025 property taxes (current owner): $5,387/yr

Estimated taxes if purchased at asking price: ~$7,200/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 3,908 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2022), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1980)

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

Solar potential: ~1,689 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History