This home is in Jacksonville — a home near Mandarin High School.
Active·79 days on market
3039 Lorman Drive
Jacksonville, FL 32223
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Seller offering up to $5,000 toward buyer's closing costs and/or allowable financing costs with acceptable offer. Move-in ready 3-bedroom home in the heart of Mandarin with extensive updates! Major improvements include a new roof (2025), fully renovated bathroom with new shower, tile, and flooring, plus an updated kitchen featuring additional cabinetry, new countertops, backsplash, and appliances (2025). New stove, dishwasher, and microwave installed in 2026, along with new Bali blinds, interior flooring, doors, and light fixtures throughout. Enjoy the large, fully fenced backyard with a covered patio featuring a new awning--perfect for entertaining or relaxing outdoors. The new paver driveway adds great curb appeal. Conveniently located just minutes from I-295, shopping, restaurants, and everyday conveniences. This beautifully updated home is ready for its new owner!
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — 2025 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: ~1,640 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 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): $2,984/yr
Estimated taxes if purchased at asking price: ~$5,300/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 22, 2026Price change$269,000−$9,500
- Aug 13, 2026Price change$278,500−$5,000
- Jul 24, 2026Active$283,500
- Jul 10, 2026Listed$283,500
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 $278/sq ft; this home is listed at $311/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3079 Purdom Drive, Jacksonville, FL 32223Listed by ROUND TABLE REALTY | Sep 2026 | $260,000 | $295 | 3/2 | 880 | 210 | 0.1 |
| 11520 Gwynford Lane, Jacksonville, FL 32223Listed by FLUID REALTY, LLC. | Apr 2026 | $310,000 | $278 | 3/2 | 1,116 | 6 | 0.2 |
| 3177 Loretto Road, Jacksonville, FL 32223Listed by KELLER WILLIAMS JACKSONVILLE | Mar 2026 | $290,000 | $274 | 3/2 | 1,058 | 86 | 0.2 |
| 11467 Gwynford, Jacksonville, FL 32223Listed by BEYCOME OF FLORIDA LLC | Jun 2026 | $305,000 | $298 | 3/2 | 1,023 | 6 | 0.3 |
| 11437 Ricky Way, Jacksonville, FL 32223Listed by SMILEEHOUSE AUCTION CO LLC | Jun 2025 | $265,000 | $249 | 3/2 | 1,066 | 4 | 0.3 |
| 3535 Tiara Way W, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Jul 2026 | $249,000 | $263 | 2/2 | 948 | 5 | 0.8 |
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: FLORIDA HOMES REALTY & MTG LLC
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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