This home is in Jacksonville — a gated community home in Jacksonville.
Pending·7 days on market
10899 Hamilton Downs Court
Jacksonville, FL 32257
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
This well-maintained 3-bedroom, 2-bathroom Mandarin home is located in a gated community. The roof and water heater were replaced in 2023, a new AC was installed in 2026, and the sellers added gutters around the entire house and new windows at the front of the home. The floorplan features high ceilings, a split-bedroom layout, and upgraded carpet and padding. The large great room includes a wood-burning fireplace and decorative niches, alongside a formal dining room. The kitchen offers a breakfast bar, eat-in area, walk-in pantry, and pull-out shelving. All appliances stay, including the washer and dryer, purchased in 2024. The primary suite features a tray ceiling, two walk-in closets, dual vanities, a garden tub, a separate shower, and a French door leading to the covered porch. Out back, the private, tree-lined lot provides a quiet outdoor space. This home is move-in ready, or you can add updates to make it your own. Enjoy easy access to I-295 and nearby shops and restaurants.
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: material not specified — year not disclosed (home built 1999)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,538 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 13 mi · 202 parking spaces
Closest park or preserve
Julington-Durbin Preserveabout 4 mi · 6.4 mi of trails
Closest public boat ramp
Hood Landing Public Boat Rampabout 3 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
Palmetto Leaves Regional Park Canoe Launchabout 2 mi · Julington Creek - Big Davis Creek
Closest youth league fields
Richard H. 'Dick' Kravitz Regional Parkabout 0.5 mi · Soccer
Closest grocery store
Walmart Supercenterabout 1 mi · 10251 Shops Ln, 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): $5,497/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, 2026Pending$398,500
- Oct 15, 2026Listed$398,500
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 $216/sq ft; this home is listed at $220/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11051 Sky Lark Drive, Jacksonville, FL 32257Listed by FIVE STAR REALTY SERVICES, INC | Sep 2026 | $360,000 | $187 | 3/2 | 1,930 | 125 | 0.2 |
| 11238 Irish Moss Drive, Jacksonville, FL 32257Listed by WATSON REALTY CORP | Sep 2026 | $389,900 | $216 | 3/2 | 1,807 | 6 | 0.4 |
| 5261 Hoof Print Drive N, Jacksonville, FL 32257Listed by HERRON REAL ESTATE LLC | Oct 2026 | $369,000 | $202 | 3/2 | 1,828 | 80 | 0.5 |
| 4891 Northford Place E, Jacksonville, FL 32257Listed by RE/MAX SPECIALISTS | Sep 2026 | $310,000 | $177 | 4/2 | 1,750 | 98 | 0.5 |
| 5237 Hoof Print Drive N, Jacksonville, FL 32257Listed by COMMUNITY REALTY ASSOCIATES | Sep 2026 | $349,500 | $265 | 3/2 | 1,321 | 6 | 0.6 |
| 10476 Spotted Fawn Lane, Jacksonville, FL 32257Listed by CROSSVIEW REALTY | Sep 2026 | $469,000 | $248 | 3/2 | 1,891 | 28 | 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: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES 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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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines