This home is in Jacksonville.

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Active

Active·1 day on market

12911 Silver Oak Drive

Jacksonville, FL 32223

$454,000$251/sqftEst. $2,416/moMLS# 2155005

Beds

Baths

1,808

Sq Ft

2021

Built

Garage

Pool

About this home

Jacksonville

Tucked away on a quiet street just off picturesque Old Mandarin Road, this move-in ready home offers the privacy, space, and convenience today's buyers are looking for. Built in 2021, this 4-bedroom, 2-bath home sits on a generous .38-acre homesite with a fully fenced backyard and no HOA, providing plenty of room for pets, play, gardening, or future outdoor living. Inside, the open-concept layout features luxury vinyl plank flooring throughout the main living areas, a spacious kitchen with granite countertops, stainless steel appliances, breakfast bar, walk-in pantry, and seamless flow into the dining and living spaces. The private primary suite offers a large walk-in closet, dual-sink granite vanity, and tiled walk-in shower. Located in the heart of Mandarin, you'll enjoy quick access to Publix, Whole Foods, Trader Joe's, boutique shopping, local favorites, and a wide variety of fast-casual and waterfront dining.

Cost to own

Mortgage calculator

Home Price

$454,000

Down Payment: 20%

$90,800

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,416

Principal & Interest: $2,416

Est. Taxes & Insurance: $604

Estimated Total Monthly

$3,020

*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$2,416

Property taxesest. at asking price, Duval County$741

Estimated total, before insurance$3,158/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

2025 property taxes (current owner): $7,015/yr

Estimated taxes if purchased at asking price: ~$8,900/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.

Hurricane evacuation zone D

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

Roof: Shingle — year not disclosed (home built 2021)

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: ~1,354 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

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

Price & status history

Jul 13, 2026Active$454,000
Jul 11, 2026Listed$454,000

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

Features

Price$454,000

Price / Sq Ft$251

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,808

Acres0.38 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryLoretto

MiddleMandarin

HighMandarin

Community Information

Address12911 Silver Oak Drive, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionMandarin Point

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size16,552.8 sq ft

Lot Dimensions95x177x91x178

Parcel Number1058300030

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPrivate Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet

# of Stories1

LevelsOne

LaundryIn Unit