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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.

Active

Active·Listed today

1796 Sternwheel Drive

Jacksonville, FL 32223

$575,000$278/sqftEst. $3,185/mo mortgageMLS# 2169867
3
Beds
2
Baths
2,071
Sq Ft
1986
Built
2
Garage
Yes
Pool
HOA $16/mo14,810 sqft lotSingle Family Residence1 story

See it this week

Want to walk through this home this week?

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

Beautiful MOVE IN READY all brick POOL home in the heart of Mandarin with many recent upgrades including a NEW ROOF, newer HVAC, newer water heater and screened porch with pavers. The home has a remodeled kitchen with 42'' raised panel cabinetry and granite countertops, soft close drawers, and is open to the great room. Beautiful wood look laminate flooring and tile-no carpet! Remodeled master bathroom with a large walk-in shower, newer vanities and an updated guest bathroom. Vaulted ceilings in the great room and master bedroom with crown molding. Enjoy a refreshing swim in the inground pool or your morning coffee on the screened porch with a spacious fenced back yard-no neighbors to the rear! Washer and dryer and stainless-steel refrigerator will convey with the home, Professional photos coming soon. OPEN HOUSE Sunday October 25 from 12-3.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,185
Property taxesest. at asking price, Duval County$939
HOAbilled annually$16
Estimated total, before insurance$4,140/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,701/yr · $475/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

$575,000
$115,000
Loan Term
Monthly Payment
$3,185
Principal & Interest: $3,185
Property taxes (est.): $939
Insurance (est.): $383
Estimated Total Monthly
$4,507
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1986)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,611 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

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.

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.

Sun & Light

Northwest-facing backyard — summer sunsets, gentle days

The listing reports the home facing southeast, which puts the backyard and pool on the northwest side. Today at this address: sunrise 7:31 AM, sunset 6:52 PM.

  • The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
  • Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.

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): $5,701/yr

Estimated taxes if purchased at asking price: ~$11,300/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 19, 2026Listed$575,000

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 $255/sq ft; this home is listed at $278/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1767 St Lawrence Way, Jacksonville, FL 32223Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$360,000$1434/22,524120.4
14264 Hawksmore Lane, Jacksonville, FL 32223Listed by SOUTH STATE REALTY LLCSep 2026$578,000$2554/32,264150.4
14271 Hawksmore Lane, Jacksonville, FL 32223Listed by ROUND TABLE REALTYJul 2026$510,000$2644/21,931120.4
1753 Rising Oaks Drive, Jacksonville, FL 32223Listed by KELLER WILLIAMS REALTY AT THE LAKESJul 2026$525,000$2543/22,065120.6
12202 Mayors Drive, Jacksonville, FL 32223Listed by WATSON REALTY CORPOct 2026$329,900$2263/21,4581100.8
12381 Flynn Road, Jacksonville, FL 32223Listed by 27NORTH REALTYSep 2026$668,000$2954/32,263440.9

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

Price$575,000
Price / Sq Ft$278
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,071
Total Structure Area2,311 sq ft
Acres0.34 acres
Year Built1986
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Pool Sweep
Is WaterfrontNo
Direction FacesSoutheast

School Information

ElementaryLoretto
MiddleMandarin

Community Information

Address1796 Sternwheel Drive, Jacksonville, FL 32223
Area014-Mandarin
SubdivisionRiverchase
CityJacksonville
CountyDuval
StateFL
Zip Code32223
Lot Size14,810.4 sq ft
Parcel Number1060878526
ZoningPUD

Amenities

AmenitiesNone
Community FeaturesSidewalks, Street Lights
UtilitiesCable Connected, Electricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyAppliances, Thermostat
ParkingAttached, Garage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Entrance Foyer, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air
FlooringLaminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchPatio, Screened
FencingBack Yard
RoofShingle
ConstructionBrick Veneer
Other StructuresShed(s)
Road SurfaceAsphalt

Additional Information

Date ListedOctober 19, 2026
Days on Market0
HOA Fees$189 / Annually
HOA FrequencyAnnually
HOA NameRiverchase
Tax Amount$5,701.05
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines