This home is in Jacksonville — a home near Mandarin High School.
Active·1 day on market
4735 Southern Pacific Drive
Jacksonville, FL 32257
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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) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Welcome to this charming 3 bedroom, 2 bathroom pool home located in the established Mandarin area of Jacksonville! Offering over 2,000 square feet of living space, this home provides a wonderful combination of comfort, functionality, and outdoor living. With its inviting atmosphere, private swimming pool, and convenient location, this property offers an excellent opportunity to make a home your own while enjoying many important improvements already completed. Inside, you'll find a spacious layout with plenty of room for everyday living and entertaining. The kitchen features granite countertops and an updated sink installed in 2020, along with a refrigerator replaced in 2021 and a dishwasher and garbage disposal replaced in 2023. The primary bedroom features a custom closet completed in 2022, providing additional storage and organization. The guest bathroom was remodeled in 2023, offering another thoughtful improvement to the home. With its comfortable living spaces and functional
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 1983)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,729 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 October 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
2025 property taxes (current owner): $2,860/yr
Estimated taxes if purchased at asking price: ~$8,300/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 9, 2026Listed$424,900
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 $191/sq ft; this home is listed at $210/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11023 Blessings Court, Jacksonville, FL 32257Listed by PASSPORT REALTY, LLC. | Oct 2026 | $469,900 | $187 | 4/2.5 | 2,510 | 132 | 0.2 |
| 11041 Blessings Court, Jacksonville, FL 32257Listed by PASSPORT REALTY, LLC. | Oct 2026 | $449,900 | $179 | 4/2.5 | 2,510 | 8 | 0.2 |
| 4544 Singletary Road, Jacksonville, FL 32257Listed by ENGEL & VOLKERS FIRST COAST | Oct 2026 | $390,000 | $221 | 4/2 | 1,764 | 114 | 0.3 |
| 4623 Golden Spike Court, Jacksonville, FL 32257Listed by RE/MAX SPECIALISTS | Sep 2026 | $369,900 | $191 | 3/2 | 1,940 | 3 | 0.5 |
| 11442 Courtney Waters Lane, Jacksonville, FL 32258Listed by WATSON REALTY CORP | Sep 2026 | $430,000 | $265 | 3/2 | 1,625 | 2 | 0.5 |
| 4891 Northford Place E, Jacksonville, FL 32257Listed by RE/MAX SPECIALISTS | Sep 2026 | $310,000 | $177 | 4/2 | 1,750 | 98 | 0.6 |
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: PREMIER HOMES REALTY INC
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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Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
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