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Active·1 day on market

836 Mandalay Road

Jacksonville, FL 32216

$600,000$170/sqftEst. $3,088/moMLS# 2159778

Beds

Baths

3,538

Sq Ft

1985

Built

Garage

Pool

About this home

Jacksonville

Welcome to your dream home! This expansive 3,538 sq ft residence offers the perfect blend of space, comfort, and convenience. Featuring 4 generously sized bedrooms and 2 fully updated bathrooms, this home boasts a spacious living room and a formal dining area ideal for entertaining. Enjoy cozy evenings by the fireplace or retreat to the thoughtfully designed split-bedroom layout that ensures privacy for all. The oversized primary suite includes a refinished en-suite bath, while the massive kitchen--one of the largest you'll find--offers abundant counter space and brand-new appliances. Set on nearly an acre of land, there's plenty of room to enjoy outdoor living. Located just 15 minutes from both the beach and vibrant downtown, you'll love the balance of tranquility and accessibility. Don't miss the opportunity to own this exceptional property that truly has it all! Owner is a real estate agent.

Cost to own

Mortgage calculator

Home Price

$600,000

Down Payment: 20%

$120,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,088

Principal & Interest: $3,088

Property taxes (est.): $980

Insurance (est.): $400

Estimated Total Monthly

$4,467

*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$3,088

Property taxesest. at asking price, Duval County$980

Estimated total, before insurance$4,067/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.

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: ~1,423 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.

History