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This home is in Jacksonville — a home near Mandarin High School.

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Active Under Contract

Active Under Contract·45 days on market

11442 Courtney Waters Lane

Jacksonville, FL 32258

$419,900$258/sqftEst. $2,156/moMLS# 2154978

Beds

Baths

1,625

Sq Ft

2000

Built

Garage

Pool

About this home

Jacksonville

Accepting Back-Up Offers...Welcome home to this meticulously maintained Mandarin ranch with picturesue lake views and updates galore! Nestled near the cul-de-sac in the back of desirable Olde Field Oaks, this home offers relaxing nature views with an abundance of turtles and birds, and is truely move-in-ready! Open floorplan with split bedrooms and lake views from almost every room with no shortage of light. Exterior updates include all new windows (2024), Roof (2021), HardieBoard siding (2022), Guttters (2023), HVAC (2017), Garage floor Shark Coating and wall organizers. A few interior updates include all new Samsung kitchen appliances, fully renovated guest bath, ceiling fans, light fixtures and more. No CDDs and low HOA.

Cost to own

Mortgage calculator

Home Price

$419,900

Down Payment: 20%

$83,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,156

Principal & Interest: $2,156

Property taxes (est.): $686

Insurance (est.): $280

Estimated Total Monthly

$3,122

*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$2,156

Property taxesest. at asking price, Duval County$686

HOAbilled annually$23

Estimated total, before insurance$2,865/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,912/yr · $409/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

2025 property taxes (current owner): $4,912/yr

Estimated taxes if purchased at asking price: ~$8,200/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, 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 — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,747 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

Aug 6, 2026Active Under Contract$419,900
Jul 30, 2026Price change$419,900+$5,000
Jul 30, 2026Price change$414,900−$5,000
Jul 15, 2026Price change$419,900−$5,000
Jul 11, 2026Listed$424,900

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

Features

Price$419,900

Price / Sq Ft$258

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,625

Acres1.54 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

HighMandarin

Community Information

Address11442 Courtney Waters Lane, Jacksonville, FL 32258

Area014-Mandarin

SubdivisionOlde Field Oaks

CityJacksonville

CountyDuval

StateFL

Zip Code32258

Lot Size67,082.4 sq ft

Parcel Number1564391740

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Trees/Woods, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup