Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a home near Mandarin High School.

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Active

Active·32 days on market

11851 Coastal Lane

Jacksonville, FL 32258

$499,900$197/sqftEst. $2,736/moMLS# 2161277

↓ $15,100 below original list

Beds

Baths

2,534

Sq Ft

1993

Built

Garage

Pool

FEMA Zone XNo HOA12,632 sqft lotSingle Family Residence1 story

See it this week

Want to walk through this home this week?

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

Come see this beautifully maintained home with NO HOA!!! This residence blends comfort, functionality and modern Florida living-all just minutes from top-rated schools, parks, shopping, dining and major commuter routes. Step inside to an open, light-filled layout with spacious areas perfect for gatherings or working from home. The kitchen boasts generous counterspace and two pantries! Bedrooms are designed for privacy with the primary suite opposite the two additional bedrooms. The laundry room boasts cabinets and sink. A HUGE enclosed sunroom is perfect as a game room or sipping your coffee while you enjoy watching the wildlife outdoors. Out back relax on the pergola. She-shed in backyard is perfect for a workshop or home office. 3-car garage! Roof is METAL. and approx. 10 years old. Termite bond! WELCOME HOME! *One or more of the photos have been virtually staged.

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$2,736

Property taxesest. at asking price, Duval County$816

Estimated total, before insurance$3,553/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

$499,900

Down Payment: 20%

$99,980

Interest Rate: 7.28%

Loan Term

Monthly Payment

$2,736

Principal & Interest: $2,736

Property taxes (est.): $816

Insurance (est.): $333

Estimated Total Monthly

$3,886

*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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Metal — year not disclosed (home built 1993)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Public water · JEA

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: ~1,731 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

Sep 22, 2026Price change$499,900−$15,100
Sep 3, 2026Active$515,000
Sep 1, 2026Pending$515,000
Aug 21, 2026Listed$515,000

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

Features

Price$499,900

Price / Sq Ft$197

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,534

Total Structure Area3,214 sq ft

Acres0.29 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryGreenland Pines

MiddleTwin Lakes Academy

HighMandarin

Community Information

Address11851 Coastal Lane, Jacksonville, FL 32258

Area014-Mandarin

SubdivisionGreenland Oaks

CityJacksonville

CountyDuval

StateFL

Zip Code32258

Lot Size12,632.4 sq ft

Parcel Number1571660530

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected, Other

SewerSeptic Tank

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewOther

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

# of Stories1

LevelsOne

LaundryIn Unit, Sink

Exterior

Exterior FeaturesOther

Lot DescriptionFew Trees, Other

Patio / PorchPatio

FencingOther, Back Yard, Wood

RoofMetal

ConstructionBrick Veneer

Other StructuresShed(s)

Road SurfaceAsphalt

Additional Information

Date ListedSeptember 3, 2026

Days on Market36

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: JPAR CITY AND BEACH

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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