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This home is in Jacksonville.

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Active

Active·48 days on market

1904 St Marys Court

Jacksonville, FL 32223

$539,000$234/sqftEst. $2,950/moMLS# 2160605

Beds

Baths

2,308

Sq Ft

1986

Built

Garage

Pool

FEMA Zone XHOA $16/mo16,553 sqft lotSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Tucked between Mandarin and Brady Road near Julington Creek and the St. Johns River, this well-kept Riverchase community rests beneath old oak trees draped in Spanish moss -- a neighborhood where morning/evening walks feel safe and calm as neighbors wave walking their dogs. Part of South Mandarin, known for gentle river breezes and sunlight filtering through the trees. Minutes from recreational parks with open green spaces for picnics or sports, boat ramps, trails, and historic Walter Jones Park. For everyday convenience, Riverchase is ideally situated near the best grocery stores, shopping centers, and a variety of cozy to five-star eateries. Beaches are only 30-min. away, offering sun, sand, and surf whenever you need a getaway, while downtown is also easily accessible for work, dining, and entertainment. Riverchase offers quiet streets, generous yards, and a lifestyle that balances convenience with the timeless, natural charm of Mandarin.

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.

Principal & interest20% down · 7.28% · 30yr$2,950

Property taxesest. at asking price, Duval County$880

HOAbilled annually$16

Estimated total, before insurance$3,846/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$539,000

Down Payment: 20%

$107,800

Interest Rate: 7.28%

Loan Term

Monthly Payment

$2,950

Principal & Interest: $2,950

Property taxes (est.): $880

Insurance (est.): $359

Estimated Total Monthly

$4,190

*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1986)

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: ~1,522 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:23 AM, sunset 7:06 PM.

The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

Aug 18, 2026Listed$539,000

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

Features

Price$539,000

Price / Sq Ft$234

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,308

Acres0.38 acres

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

Community Information

Address1904 St Marys Court, Jacksonville, FL 32223

Area014-Mandarin

SubdivisionRiverchase

CityJacksonville

CountyDuval

StateFL

Zip Code32223

Lot Size16,552.8 sq ft

Parcel Number1060878576

ZoningResidential

Amenities

Community FeaturesSidewalks, Street Lights

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces2

Fireplace FeaturesDouble Sided

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup

Security24 Hour Security

Exterior

Lot DescriptionCorner Lot, Cul-De-Sac, Sprinklers In Front, Sprinklers In Rear

Patio / PorchFront Porch, Patio

FencingBack Yard, Full, Wood

RoofShingle

ConstructionBrick Veneer, Frame

Other StructuresShed(s)

Road SurfaceAsphalt

Additional Information

Date ListedAugust 18, 2026

Days on Market0

HOA Fees$188 / Annually

HOA FrequencyAnnually

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE 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.

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