This home is in Jacksonville — a home near Mandarin High School.
Sold·Closed Aug 17, 2026·17 days on market·Recent sales in Mandarin
11849 Clearwater Oaks Drive W
Jacksonville, FL 32223
About this home
Jacksonville
Location, Location, Location plus this home has it all! Small Mandarin neighborhood of 67 homes with its own community pool. Well located close to schools, churches, shopping, many restaurants, hospital and I-295. Desirable 3-way split 1 level floor plan with a true mother-in-law suite, formal living rm plus a large family rm with a fireplace. You'll love the totally updated gourmet kitchen and lavish primary bath featuring 2 separate vanities and a soaking tub. The whole exterior was just painted too. Many high-end upgrades throughout like crown moldings, dental molding, arches, etc. All the rooms are over-sized and filled with natural light. Laundry rm has handy utility sink. Newer AC and water heater; roof in 2016. Outside you'll also enjoy the tranquil pond view from your large, screened porch. Move-in ready for a new owner. Don't miss seeing this lovely home!
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: Shingle — 2016 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: ~1,415 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): $3,992/yr
Estimated taxes if purchased at asking price: ~$10,800/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 17, 2026Closed$549,900
- Aug 2, 2026Active Under Contract$549,900
- Jul 17, 2026Listed$549,900
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 $217/sq ft; this home is listed at $233/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3869 Marnie Place, Jacksonville, FL 32223Listed by INI REALTY | Oct 2026 | $490,000 | $202 | 4/2 | 2,431 | 92 | 0.3 |
| 12131 Banyan Tree Drive, Jacksonville, FL 32258Listed by FIRST COAST HEROES REAL ESTATE LLC | Oct 2026 | $405,000 | $222 | 3/2 | 1,828 | 12 | 0.6 |
| 12160 Banyan Tree Drive, Jacksonville, FL 32258Listed by REAL ESTATE SOLUTIONS | Sep 2026 | $474,900 | $217 | 4/3 | 2,188 | 63 | 0.6 |
| 11346 Mandarin Ridge Lane, Jacksonville, FL 32258Listed by REDFIN CORPORATION | Sep 2026 | $600,000 | $212 | 3/3 | 2,836 | 17 | 0.7 |
| 4149 Bridgeville Place, Jacksonville, FL 32223Listed by REAL BROKER LLC | Sep 2026 | $535,000 | $243 | 4/2 | 2,199 | 107 | 0.9 |
| 11567 Summer Haven Boulevard N, Jacksonville, FL 32258Listed by HERRON REAL ESTATE LLC | Sep 2026 | $515,000 | $193 | 4/3 | 2,666 | 5 | 0.9 |
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: WATSON REALTY CORP
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 17, 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.
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