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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 pool home in Jacksonville.

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Active Under Contract

Active Under Contract·13 days on market

9227 Chandler Oaks Court

Jacksonville, FL 32221

$654,900$221/sqftEst. $3,585/moMLS# 2165799
↓ $15,000 below original list
5
Beds
3
Baths
2,966
Sq Ft
1998
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $33/mo0.51 acresSingle Family Residence2 stories

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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

Discover refined living in Chandler Oaks. Privately positioned on a scenic cul-de-sac and set on nearly half an acre, this beautifully renovated 5-bedroom, 3-bath all-brick custom home combines timeless architecture with sophisticated modern updates. A light-filled, open and split-bedroom floor plan is enhanced by impressive 10-11 ft ceilings, fresh interior paint, new ceramic tile flooring and carpet throughout. The expansive master suite provides a private retreat, while formal living and dining rooms add a touch of classic elegance. At the heart of the home, the spacious family room is anchored by a fireplace and flows effortlessly into the beautifully updated kitchen. that showcases quartz countertops, a ceramic tile backsplash and new S/S appliances, bringing a fresh and contemporary feel to this classic custom home. Gorgeous in-ground pool. Timeless all-brick craftsmanship, generous proportions and thoughtful modern updates come together in a remarkable Chandler Oaks residence.

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$3,585
Property taxesest. at asking price, Duval County$1,069
HOAbilled annually$33
Estimated total, before insurance$4,687/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,178/yr · $348/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

$654,900
$130,980
Loan Term
Monthly Payment
$3,585
Principal & Interest: $3,585
Property taxes (est.): $1,069
Insurance (est.): $437
Estimated Total Monthly
$5,091
*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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1998)

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: ~1,711 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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard and pool on the north side. Today at this address: sunrise 7:24 AM, sunset 7:07 PM.

  • A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,178/yr

Estimated taxes if purchased at asking price: ~$12,800/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 30, 2026Active Under Contract$654,900
  • Sep 26, 2026Price change$654,900−$15,000
  • Sep 23, 2026Active$669,900
  • Sep 22, 2026Price change$669,900+$669,899
  • Sep 21, 2026Listed$1

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

Features

Price$654,900
Price / Sq Ft$221
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,966
Total Structure Area3,669 sq ft
Acres0.51 acres
Year Built1998
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive Under Contract
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Waterfall
Is WaterfrontNo
Direction FacesSouth

School Information

ElementaryCrystal Springs
HighEdward White

Community Information

Address9227 Chandler Oaks Court, Jacksonville, FL 32221
Area062-Crystal Springs/Country Creek Area
SubdivisionChandler Oaks
CityJacksonville
CountyDuval
StateFL
Zip Code32221
Lot Size22,215.6 sq ft
Parcel Number0068751085
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyWater Heater
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Jack and Jill Bath, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDisposal, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup
SecurityCarbon Monoxide Detector(s), Security Lights, Smoke Detector(s)

Exterior

Lot DescriptionDead End Street, Sprinklers In Front, Sprinklers In Rear, Wooded
Patio / PorchFront Porch, Rear Porch
FencingFull, Wood
RoofShingle
ConstructionBrick, Fiber Cement
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedSeptember 23, 2026
Days on Market7
HOA Fees$400 / Annually
HOA FrequencyAnnually
Tax Amount$4,178.21
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TU FAMILIA REAL ESTATE

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

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20+ years · 500+ closings · NE Florida

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