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This home is in Lake Mandarin, Jacksonville.

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Active

Active·45 days on market·Lake Mandarin

3386 Sarah Spaulding Drive

Jacksonville, FL 32223

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

Beds

Baths

1,633

Sq Ft

1980

Built

Garage

Pool

About this home

Lake Mandarin

Welcome to your new home. This beautifully maintained 3-bedroom, 2-bath home with a french drain system is move-in-ready for you. This Mandarin home features hardwood floors and ceiling fans throughout, along with a formal dining room, Corian kitchen countertops, 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: 6.65%

Loan Term

Monthly Payment

$1,900

Principal & Interest: $1,900

Property taxes (est.): $604

Insurance (est.): $247

Estimated Total Monthly

$2,750

*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$1,900

Property taxesest. at asking price, Duval County$604

HOAbilled annually$27

Estimated total, before insurance$2,530/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,387/yr · $449/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

Last sold: $380,000 in July 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$257,223	$257,223	—
2023	$288,696	$288,696	▲ $53,321
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 3,305 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

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

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

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

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 9, 2026Listed$369,900

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

Features

Price$369,900

Price / Sq Ft$227

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,633

Acres0.18 acres

Year Built1980

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3386 Sarah Spaulding Drive, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionLake Mandarin

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size7,840.8 sq ft

Parcel Number1564111036

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringWood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne