This home is in Jacksonville — a waterfront home in Jacksonville.
Active·5 days on market
3737 Loretto Road 407
Jacksonville, FL 32223
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Enjoy peaceful pond views from the main living areas and private balcony of this inviting 2-bedroom, 2-bath condo in Mandarin! The thoughtfully designed floor plan offers comfortable living spaces, crown molding, and a kitchen equipped with stainless steel appliances. Both bathrooms feature hard-surface countertops, and the included washer and dryer add everyday convenience. Step outside onto your private balcony to relax and enjoy the tranquil pond views. Community amenities include a swimming pool and fitness center, while HOA fees conveniently cover water and sewer. Whether you're a first-time homebuyer, looking to downsize, or seeking an investment opportunity, this condo offers an excellent combination of comfort, convenience, and low-maintenance living in a great Mandarin location!
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 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,770 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.
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
Mickler's Landing Beachfront Parkabout 15 mi · 202 parking spaces
Closest park or preserve
Julington-Durbin Preserveabout 5 mi · 6.4 mi of trails
Closest public boat ramp
Hood Landing Public Boat Rampabout 2 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
County Dock Hand Launch Areaabout 2 mi · St. Johns River
Closest youth league fields
Burnett Parkabout 1 mi · Baseball, Softball
Closest grocery store
Publixabout 1 mi · 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): $2,625/yr
Estimated taxes if purchased at asking price: ~$3,300/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 13, 2026Listed$167,900
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 $173/sq ft; this home is listed at $185/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3737 Loretto Road 905, Jacksonville, FL 32223Listed by BRIDGE & BEACON REAL ESTATE LLC | Aug 2026 | $149,000 | $164 | 2/2 | 908 | 20 | 0 |
| 3737 Loretto Road 703, Jacksonville, FL 32223Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Jul 2026 | $140,000 | $154 | 2/2 | 908 | 7 | 0 |
| 3737 Loretto Road 903, Jacksonville, FL 32223Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Sep 2025 | $157,000 | $173 | 2/2 | 908 | 31 | 0 |
| 3737 Loretto Road 104, Jacksonville, FL 32223Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Mar 2026 | $116,500 | $175 | 1/1 | 666 | 78 | 0.1 |
| 11432 Skipjack Way S, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Jul 2026 | $240,000 | $225 | 3/2 | 1,068 | 69 | 0.5 |
| 11432 Godfrey Way, Jacksonville, FL 32223Listed by ONE REALTY CORP | May 2026 | $125,000 | $116 | 3/2 | 1,082 | 12 | 0.5 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines