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This home is in Mandarin Pines, Jacksonville.

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Active

Active·1 day on market·Mandarin Pines

3821 Olympic Lane

Jacksonville, FL 32223

$415,000$290/sqftEst. $2,136/moMLS# 2160400

Beds

Baths

1,432

Sq Ft

1985

Built

Garage

Pool

About this home

Mandarin Pines

Updated from top to bottom! You don't want to miss this beautifully renovated home tucked away on a cul-de-sac with no HOA. Featuring a brand-new 2026 roof, HVAC system, and hot water heater, this home offers peace of mind with all the major updates already taken care of. Bring your toys, boat, chickens, or whatever else you need room for--the spacious, fully fenced backyard has plenty of space to make it your own. The property also features a large detached workshop/garage, perfect for storage, hobbies, projects, or extra workspace. Inside, the open floor plan creates the perfect setting for entertaining and gathering with family, centered around a cozy wood-burning fireplace. The beautifully updated kitchen features brand-new cabinetry, quartz countertops, and stainless steel appliances. The primary suite is a private retreat, complete with a stunning tiled walk-in shower and a spacious walk-in closet. You have to see it to believe it! Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$415,000

Down Payment: 20%

$83,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,136

Principal & Interest: $2,136

Property taxes (est.): $678

Insurance (est.): $277

Estimated Total Monthly

$3,090

*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$2,136

Property taxesest. at asking price, Duval County$678

Estimated total, before insurance$2,813/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$290,333	$231,099	—
2024	$265,607	$215,607	▲ $11,330
2023	$278,562	$278,562	▲ $40,000
2022	$230,147	$68,536	▲ $6,332
2021	$182,482	$65,084	▲ $16,881
2020	$161,110	$63,496	▲ $7,699

Estimated taxes if purchased at asking price: ~$8,100/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 (2025), 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 — 2026 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: ~1,612 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 16, 2026Listed$415,000

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

Features

Price$415,000

Price / Sq Ft$290

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,432

Acres0.26 acres

Year Built1985

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3821 Olympic Lane, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionMandarin Pines

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size11,325.6 sq ft

Parcel Number1563320530

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup