0 Hartley Road

Jacksonville, FL 32257

$600,000Est. $3,081/moMLS# 2161126

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Jacksonville

Discover a rare opportunity to create a custom residence or build multiple homes on a combined total of approximately 3.91 acres in the sought-after Mandarin area. This unique offering includes two adjacent parcels being sold together: a 2.64-acre parcel, identified by Real Estate Number 155722-0030, and the adjoining approximately 1.27-acre parcel, identified by Real Estate Number 155772-0010. Zoned for residential use and offering a spacious natural setting, these combined parcels provide a unique opportunity to create a private homesite tailored to your vision. With public road access, no HOA, and additional acreage, this property offers privacy and flexibility in one of Mandarin's sought-after areas. Utilities are available on the area. Bring your builder and explore the possibilities offered by these two combined located in the best area of Jacksonville Florida.

Cost to own

Mortgage calculator

Home Price

$600,000

Down Payment: 20%

$120,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,081

Principal & Interest: $3,081

Property taxes (est.): $980

Insurance (est.): $400

Estimated Total Monthly

$4,461

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,081

Property taxesest. at asking price, Duval County$980

Estimated total, before insurance$4,061/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.

History