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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a home near St. Augustine High School.

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Active

Active·18 days on market

436 Mango Circle

Jacksonville, FL 32095

$348,000$257/sqftEst. $1,858/moMLS# 2164274
3
Beds
2
Baths
1,354
Sq Ft
1997
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $15/mo6,970 sqft lotWaterfrontSingle Family Residence1 story

About this home

Jacksonville

Welcome to this beautiful 3-bedroom, 2-bath pool home in the desirable Eagle Creek community! Situated in a peaceful setting along a canal, this home offers a wonderful combination of comfort, privacy, and the relaxed Florida lifestyle. Step inside to discover spacious living areas and a comfortable layout designed for both everyday living and entertaining. The home features a NEW stove/range, along with a refrigerator, dishwasher, and microwave. Enjoy seamless indoor-outdoor living with a screened-in pool and lanai, creating the perfect space for relaxing, dining, or entertaining guests year-round. The roof is around 5 years old , providing valuable peace of mind for the new owner. Additional features include a Ring doorbell, smart garage, custom window coverings, and extra storage shelving. Enjoy Eagle Creek amenities including a clubhouse, community pool, and playground. Seller is open to negotiating--don't miss this opportunity to make this beautiful pool home your own!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$1,858
Property taxesest. at asking price, St. Johns County$463
HOAbilled annually$15
Estimated total, before insurance$2,336/mo
Seller’s 2026 tax billper the MLS — includes any CDD / assessments$4,487/yr · $374/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$348,000
$69,600
Loan Term
Monthly Payment
$1,858
Principal & Interest: $1,858
Property taxes (est.): $463
Insurance (est.): $232
Estimated Total Monthly
$2,553
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle, Other — year not disclosed (home built 1997)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,715 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 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.

Cost to own

Taxes & assessment

2026 property taxes (current owner): $4,487/yr

Estimated taxes if purchased at asking price: ~$5,600/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 1,595 current St. Johns 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 10, 2026Listed$348,000

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

Features

Price$348,000
Price / Sq Ft$257
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,354
Acres0.16 acres
Year Built1997
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontYes

School Information

ElementaryPalencia
MiddleSebastian

Community Information

Address436 Mango Circle, Jacksonville, FL 32095
Area313-Whitecastle/Airport Area
SubdivisionEagle Creek
CityJacksonville
CountySt. Johns
StateFL
Zip Code32095
Lot Size6,969.6 sq ft
Parcel Number074531-0230

Amenities

AmenitiesPool, Clubhouse, Management - Off Site, Playground
UtilitiesOther
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Detached, Garage

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1

Exterior

Lot DescriptionWooded
Patio / PorchFront Porch, Patio, Porch, Screened
RoofShingle, Other
ConstructionBlock, Concrete, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 10, 2026
Days on Market15
HOA Fees$185 / Annually
HOA FrequencyAnnually
Tax Amount$4,486.5
Tax Year2026
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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