This home is in Jacksonville.
Sold·Closed Sep 24, 2026·8 days on market·Recent sales in Mandarin
3745 Dogwood Hill Terrace
Jacksonville, FL 32223
About this home
Jacksonville
Tucked beneath a canopy of sprawling oaks on a quiet cul-de-sac in established Mandarin, this distinctive 4 bedroom, 3 full bathroom home combines thoughtful updates, architectural character and a flexible floor plan ideal for multi generational living. This coveted Mandarin neighborhood, with NO HOA, is known for mature trees, established properties and proximity to the St. Johns River, with convenient access to shopping, dining and everyday amenities. A large magnolia and whimsical landscape add to the home's private, welcoming setting. Inside, the living room makes a statement with its unique step down and step up design, soaring ceilings, exposed beams, overhead windows, abundant natural light and a cozy stone fireplace. The updated kitchen sits at the center of the home, connecting the living and dining spaces with modern cabinetry, granite countertops, generous workspace and a large walk in pantry.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1978)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,220 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 homeAs 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): $2,742/yr
Estimated taxes if purchased at asking price: ~$9,900/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 24, 2026Closed$515,000
- Aug 29, 2026Active Under Contract$515,000
- Aug 20, 2026Listed$515,000
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 $243/sq ft; this home is listed at $233/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12527 Shady Creek Drive, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Sep 2026 | $445,000 | $250 | 3/2 | 1,782 | 24 | 0.7 |
| 12340 Macaw Drive, Jacksonville, FL 32223Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $394,100 | $221 | 3/2 | 1,782 | 3 | 0.8 |
| 12675 Filly Court, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Sep 2026 | $455,000 | $235 | 3/2.5 | 1,938 | 1 | 0.9 |
| 4149 Bridgeville Place, Jacksonville, FL 32223Listed by REAL BROKER LLC | Sep 2026 | $535,000 | $243 | 4/2 | 2,199 | 107 | 1 |
| 4179 Burning Tree Lane S, Jacksonville, FL 32223Listed by ROUND TABLE REALTY | Aug 2026 | $630,000 | $260 | 4/2.5 | 2,427 | 74 | 1 |
| 796 Grand Parke Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $428,000 | $225 | 4/2 | 1,903 | 110 | 1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: NEXT MOVE ATLANTIC COAST
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 24, 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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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