This home is in Jacksonville — a home near Mandarin High School.
Sold·Closed Oct 28, 2026·22 days on market·Recent sales in Mandarin
10878 Saddle Horn Drive
Jacksonville, FL 32257
About this home
Jacksonville
Welcome Home! This lovingly maintained 3-bedroom, 2-bath home in the heart of Mandarin is ready for its next owner! Step inside to a comfortable, inviting layout featuring spacious bedrooms and a welcoming great room. The well-equipped kitchen offers plenty of space to prepare your favorite meals, while the one-car garage adds even more convenience with a washer and dryer and extra refrigerator. Step outside and discover a backyard designed for both relaxing and getting things done. An extended parking pad provides plenty of room for your boat or RV, and with no HOA restrictions, you have the flexibility to make the most of your property. Enjoy the covered patio for outdoor entertaining, plus a fully wired workshop/shed complete with a built-in workbench, shelving, and shop lights--ideal for hobbies, projects, or extra storage. Best of all, the big-ticket updates are already taken care of, including a newer roof, 2021 water heater, and brand-new 2026 AC.
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: Shingle — year not disclosed (home built 1985)
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: ~1,733 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
16th Ave S26 min drive · 28 parking spaces
Closest park or preserve
Julington-Durbin Preserve11 min drive · 6.4 mi of trails
Closest public boat ramp
Hood Landing Public Boat Rampabout 3 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
Palmetto Leaves Regional Park Canoe Launchabout 3 mi · Julington Creek - Big Davis Creek
Closest youth league fields
Mandarin High School Pool8 min drive · Swimming
Closest grocery store
Publix3 min drive · 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): $5,011/yr
Estimated taxes if purchased at asking price: ~$5,300/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 28, 2026Closed$280,000
- Sep 30, 2026Active Under Contract$280,000
- Sep 30, 2026Active$280,000
- Sep 20, 2026Active Under Contract$280,000
- Sep 13, 2026Active$280,000
- Sep 8, 2026Active Under Contract$280,000
- Sep 8, 2026Listed$280,000
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 $254/sq ft; this home is listed at $238/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5237 Hoof Print Drive N, Jacksonville, FL 32257Listed by COMMUNITY REALTY ASSOCIATES | Sep 2026 | $349,500 | $265 | 3/2 | 1,321 | 6 | 0.3 |
| 10764 Lippizan Drive, Jacksonville, FL 32257Listed by HAYDEN HAWK REALTY, LLC | Aug 2026 | $375,000 | $251 | 3/2 | 1,496 | 4 | 0.3 |
| 11252 Losco Junction Drive S, Jacksonville, FL 32257Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $340,000 | $254 | 3/2 | 1,341 | 3 | 0.6 |
| 11518 Courtney Waters Lane, Jacksonville, FL 32258Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $374,000 | $251 | 3/2 | 1,492 | 20 | 0.8 |
| 4321 Pathwood Way, Jacksonville, FL 32257Listed by JWB REALTY LLC | Sep 2026 | $265,000 | $191 | 3/2.5 | 1,390 | 64 | 1 |
| 11479 Pine Forest Court, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Jul 2026 | $315,500 | $285 | 3/2 | 1,108 | 2 | 1.6 |
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: EXIT 1 STOP REALTY
Sold by: HERRON 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 28, 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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