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

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Active

Active·Listed today

4120 Pony Express Lane

Jacksonville, FL 32223

$490,000$259/sqftEst. $2,522/moMLS# 2155508

Beds

Baths

1,893

Sq Ft

1985

Built

Garage

Yes

Pool

About this home

Jacksonville

Full brick pool home with gated boat and RV parking, tucked away on a quiet cul-de-sac in the established Saddle Ridge community. NO HOA!! Offering 3 bedrooms, 2 bathrooms, and 1,893 square feet, this home combines timeless construction, thoughtful updates, and exceptional indoor and outdoor living spaces. Inside, soaring vaulted ceilings and abundant natural light create an open, inviting atmosphere in the spacious great room. Luxury vinyl plank flooring, a floor-to-ceiling brick fireplace, and expansive sliding glass doors overlooking the pool make this the perfect place to gather or unwind. The updated kitchen features refinished 42-inch cabinetry extending to the ceiling, modern hardware, granite countertops, stainless steel appliances, recessed lighting, and a custom built-in coffee bar with additional storage. Adjacent to the kitchen, the breakfast nook enjoys views of the backyard oasis, while the separate dining room offers additional space for entertaining or everyday meals.

Cost to own

Mortgage calculator

Home Price

$490,000

Down Payment: 20%

$98,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,522

Principal & Interest: $2,522

Property taxes (est.): $800

Insurance (est.): $327

Estimated Total Monthly

$3,648

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,522

Property taxesest. at asking price, Duval County$800

Estimated total, before insurance$3,322/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,709/yr · $309/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): $3,709/yr

Estimated taxes if purchased at asking price: ~$9,600/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 — year not disclosed (home built 1985)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from JEA per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,742 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 August 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 13, 2026Active$490,000
Jul 15, 2026Listed$490,000

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

Features

Price$490,000

Price / Sq Ft$259

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,893

Total Structure Area2,260 sq ft

Acres0.29 acres

Year Built1985

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced, Pool Sweep

Is WaterfrontNo

School Information

ElementaryLoretto

MiddleMandarin

HighMandarin

Community Information

Address4120 Pony Express Lane, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionSaddle Ridge

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size12,632.4 sq ft

Parcel Number1582321614

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Covered, Garage, RV Access/Parking

ViewPool

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit, Lower Level