This home is in Jacksonville.
Sold·Closed Oct 7, 2026·12 days on market·Recent sales in Mandarin
12131 Banyan Tree Drive
Jacksonville, FL 32258
About this home
Jacksonville
Welcome to 12131 Banyan Tree Dr! This move-in ready 3-bedroom, 2-bath home offers 1,828 square feet of comfortable living space and an AMAZING oversized backyard with plenty of room to spread out, entertain, garden, play, or simply enjoy your own private outdoor retreat! Inside, you'll find easy-care vinyl flooring throughout the entire home with NO CARPET, along with a spacious great room, separate dining area and a split-bedroom floor plan. The kitchen features newer appliances, including an LG refrigerator and range and Bosch dishwasher, all approximately two years old. Every closet has been upgraded with closet organizers, providing excellent storage throughout the home. Several major updates have already been taken care of, including vinyl windows installed in 2021, a new HVAC system and electrical panel in 2022, newer appliances, gutters and an updated vanity in the hall bathroom. A water softener and reverse osmosis system will also remain with the 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).
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 1991)
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: ~1,668 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 homeAs of September 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mickler's Landing Beachfront Parkabout 14 mi · 202 parking spaces
Closest park or preserve
Julington-Durbin Preserveabout 4 mi · 6.4 mi of trails
Closest public boat ramp
Hood Landing Public Boat Rampabout 1 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
Mandarin Park Kayak Launch Dockabout 3 mi · Julington Creek
Closest youth league fields
Mandarin High School Poolabout 1.0 mi · Swimming
Closest grocery store
Publixabout 2 mi · 11250 St Augustine Rd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,199/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
- Oct 7, 2026Closed$420,000
- Sep 17, 2026Active Under Contract$420,000
- Sep 4, 2026Active$420,000
- Aug 18, 2026Listed$420,000
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 $238/sq ft; this home is listed at $230/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12160 Banyan Tree Drive, Jacksonville, FL 32258Listed by REAL ESTATE SOLUTIONS | Sep 2026 | $474,900 | $217 | 4/3 | 2,188 | 63 | 0.1 |
| 4155 Julington Creek Road, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Oct 2026 | $361,500 | $238 | 3/2 | 1,517 | 12 | 0.9 |
| 12675 Filly Court, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Sep 2026 | $455,000 | $235 | 3/2.5 | 1,938 | 1 | 0.9 |
| 11442 Courtney Waters Lane, Jacksonville, FL 32258Listed by WATSON REALTY CORP | Sep 2026 | $430,000 | $265 | 3/2 | 1,625 | 2 | 1.1 |
| 11250 Cloverhill Circle W, Jacksonville, FL 32257Listed by MASH REALTY SERVICES, LLC | Oct 2026 | $395,000 | $242 | 3/2 | 1,632 | 0 | 1.3 |
| 4544 Singletary Road, Jacksonville, FL 32257Listed by ENGEL & VOLKERS FIRST COAST | Oct 2026 | $390,000 | $221 | 4/2 | 1,764 | 114 | 1.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FIRST COAST HEROES REAL ESTATE LLC
Sold by: FIRST COAST HEROES REAL ESTATE LLC (buyer's brokerage)
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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Krista Fracke
Broker Associate
This home sold on Oct 7, 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
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