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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Sold

Sold·Closed Sep 3, 2026·3 days on market·Recent sales in Mandarin

9638 Bent Oak Court

Jacksonville, FL 32257

$405,000sold priceListed at $405,000 · 100% of asking$246/sqftMLS# 2158026
3
Beds
2
Baths
1,645
Sq Ft
1994
Built
1
Garage
No
Pool
FEMA Zone XHOA $22/mo13,939 sqft lotSingle Family Residence1 story

About this home

Jacksonville

NEWLY RENOVATED! You don't want to miss out on this 3 bedroom 2 bathroom home in Mandarin. The home you've been waiting for! Pulling up to the home you notice the quiet & peaceful cul de sac where its situated. Looking at the home you notice the spacious two car garage & fenced in backyard. When you walk into the home you are greeted with new flooring throughout and beautiful light fixtures. You notice the bright windows that bring in natural light. The open concept living room and kitchen is great for entertaining family and friends. The kitchen is equipped with all NEW appliances, new backsplash, new countertops, new and cabinets and a breakfast bar! An amazing spot for cooking and enjoying many home cooked meals. The home features a fire place situated in the living area that will be great for the cool winter nights. Stepping down the hall brings you to the spacious 3 bedrooms and renovated bathrooms with beautiful new vanities. This opportunity won't last long, schedule a tour now!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,243
Property taxesest. at asking price, Duval County$661
HOAbilled annually$22
Estimated total, before insurance$2,927/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,313/yr · $193/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$405,000
$81,000
Loan Term
Monthly Payment
$2,243
Principal & Interest: $2,243
Property taxes (est.): $661
Insurance (est.): $270
Estimated Total Monthly
$3,175
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 — year not disclosed (home built 1994)

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: ~1,338 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

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,313/yr

Estimated taxes if purchased at asking price: ~$7,900/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.

History

Price & status history

  • Sep 4, 2026Closed$405,000
  • Aug 3, 2026Active Under Contract$405,000
  • Jul 31, 2026Listed$405,000

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 $234/sq ft; this home is listed at $246/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
9515 Broken Oak Boulevard, Jacksonville, FL 32257Listed by PONTE VEDRA CLUB REALTY, INC.Sep 2026$375,000$2083/21,801980.2
4211 Timberlake Drive N, Jacksonville, FL 32257Listed by CRYSTAL CLEAR REALTY, LLCSep 2026$375,000$2473/21,520640.3
9872 Lazy Hollow Lane, Jacksonville, FL 32257Listed by WATSON REALTY CORPSep 2026$389,000$2473/21,57750.4
9970 Timberlake Drive E, Jacksonville, FL 32257Listed by BRANDYWINE HOMES USA LLCSep 2026$290,000$2233/21,3011370.6
4551 Sun Garden Drive, Jacksonville, FL 32257Listed by SAM FOLDS, INC., REALTORSSep 2026$390,000$2342/21,6691380.8
9332 Mill Springs Drive, Jacksonville, FL 32257Listed by CORE REALTY, LLCSep 2026$350,000$1725/22,0361660.9

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

Price$405,000
Price / Sq Ft$246
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,645
Acres0.32 acres
Year Built1994
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address9638 Bent Oak Court, Jacksonville, FL 32257
Area013-Beauclerc/Mandarin North
SubdivisionSutton Oaks
CityJacksonville
CountyDuval
StateFL
Zip Code32257
Lot Size13,939.2 sq ft
Parcel Number1490781230

Amenities

UtilitiesElectricity Connected, Water Connected
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s)
AppliancesConvection Oven, Dishwasher, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Lot DescriptionCul-De-Sac
FencingWood

Additional Information

Date ListedJuly 31, 2026
Days on Market3
HOA Fees$268.86 / Annually
HOA FrequencyAnnually
Tax Amount$2,313.01
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: NETWORTH REALTY OF JACKSONVILLE, 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 3, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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