This home is in Jacksonville — a home near Mandarin High School.
Active·6 days on market
12902 Silver Oak Drive
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
Welcome home to this charming 4-bedroom, 2-bath ranch-style home offering 1,376 sq. ft. of comfortable living space in the heart of Mandarin! Nestled on a quiet cul-de-sac in an established neighborhood with beautiful mature trees, this home offers comfort, character, and a peaceful setting. Enjoy wood flooring and an updated kitchen featuring stainless steel appliances, perfect for everyday living and entertaining. The backyard provides a great space for outdoor gatherings or simply relaxing outdoors. A NEW ROOF installed in 2026 adds extra peace of mind. Conveniently located close to shopping, dining, medical facilities, schools, and interstate access, this home combines everyday convenience with neighborhood charm. Don't miss this wonderful opportunity to enjoy all that Mandarin has to offer!
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.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — 2026 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,386 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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 19 mi · 202 parking spaces
Closest park or preserve
Alpine Groves Parkabout 6 mi · 1 mi of trails
Closest public boat ramp
Mandarin Park Boat Rampabout 3 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
County Dock Hand Launch Areaabout 1 mi · St. Johns River
Closest youth league fields
Alberts Fieldabout 1.0 mi · Baseball, Football, Softball
Closest grocery store
Winn-Dixieabout 2 mi · 11700 San Jose Blvd, 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): $5,055/yr
Estimated taxes if purchased at asking price: ~$7,800/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
- Oct 16, 2026Active$400,000
- Oct 13, 2026Listed$400,000
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 $249/sq ft; this home is listed at $291/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12995 Mandarin Point Lane, Jacksonville, FL 32223Listed by PONTE VEDRA CLUB REALTY, INC. | Oct 2026 | $437,500 | $249 | 3/2 | 1,754 | 100 | 0.2 |
| 13112 Mandarin Road, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Aug 2026 | $403,000 | $235 | 3/2 | 1,717 | 14 | 0.5 |
| 1476 Rivergate Drive, Jacksonville, FL 32223Listed by WATSON REALTY CORP | May 2026 | $365,000 | $229 | 3/2 | 1,593 | 12 | 0.5 |
| 12202 Mayors Drive, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Oct 2026 | $329,900 | $226 | 3/2 | 1,458 | 110 | 1.3 |
| 2847 Sutton Estates Circle N, Jacksonville, FL 32223Listed by COLDWELL BANKER VANGUARD REALTY | May 2026 | $385,000 | $257 | 3/2 | 1,499 | 6 | 1.9 |
| 12261 Sutton Estates Drive, Jacksonville, FL 32223Listed by REAL BROKER LLC | Sep 2026 | $350,000 | $267 | 3/2 | 1,313 | 32 | 2 |
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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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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