This home is in Jacksonville — a home near Mandarin High School.
Sold·Closed Aug 12, 2026·2 days on market·Recent sales in Mandarin
12911 Silver Oak Drive
Jacksonville, FL 32223
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.
Next steps in Mandarin
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $7,015/yr
Estimated taxes if purchased at asking price: ~$8,700/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.
History
Price & status history
- Aug 12, 2026Closed$454,000
- Aug 11, 2026Pending$454,000
- Jul 15, 2026Active Under Contract$454,000
- 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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $235/sq ft; this home is listed at $251/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11774 Mandarin Forest Drive, Jacksonville, FL 32223Listed by REMAX WELCOME HOME | Sep 2026 | $505,000 | $272 | 3/2 | 1,858 | 4 | 0.1 |
| 11780 Mandarin Forest Drive, Jacksonville, FL 32223Listed by MOMENTUM REALTY | Aug 2026 | $520,000 | $221 | 3/3 | 2,350 | 30 | 0.2 |
| 13112 Mandarin Road, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Aug 2026 | $403,000 | $235 | 3/2 | 1,717 | 14 | 0.6 |
| 1753 Rising Oaks Drive, Jacksonville, FL 32223Listed by KELLER WILLIAMS REALTY AT THE LAKES | Jul 2026 | $525,000 | $254 | 3/2 | 2,065 | 12 | 0.8 |
| 12202 Mayors Drive, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Oct 2026 | $329,900 | $226 | 3/2 | 1,458 | 110 | 1.3 |
| 2601 Michaelson Way, Jacksonville, FL 32223Listed by TRADITIONS REALTY LLC | Sep 2026 | $527,900 | $234 | 4/2 | 2,258 | 69 | 1.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
This home sold on Aug 12, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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