This home is in Jacksonville.
Active·Listed today
10523 Rocky Garden Lane
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
*Open House-Sat Oct 24 10-1* A fresh start begins here! Beautifully renovated inside, this 3-bedroom, 2-bath home pairs easy one-story living with inviting spaces to make your own. Vaulted ceilings and new flooring create a bright, airy feel, while the all-new kitchen shines with white cabinetry, solid-surface countertops, and new range and microwave. Both bathrooms feature fresh finishes and updated fixtures. Enjoy morning coffee or unwind after work on the screened back porch, with backyard space for gardening and outdoor gatherings. Additional highlights include a two-car garage with a new garage door and opener, a water heater replaced in 2025, and no HOA or CDD fees. Whether purchasing your first home or simplifying your lifestyle, discover a welcoming place for your next chapter. Dryer included; refrigerator and washer not included.
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 1988)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,684 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
16th Ave Sabout 14 mi · 28 parking spaces
Closest park or preserve
Julington-Durbin Preserveabout 5 mi · 6.4 mi of trails
Closest public boat ramp
Goodby's Creek Boat Rampabout 2 mi · St. Johns River - Goodby's Creek
Closest kayak & paddleboard launch
Alejandro Garces Camp Tomahawk Park Paddlecraft Accessabout 3 mi · Goodby's Creek
Closest youth league fields
Burnett Parkabout 1 mi · Baseball, Softball
Closest grocery store
Walmart Neighborhood Marketabout 0.4 mi · 10550 Old Street Augustine Road, 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): $4,737/yr
Estimated taxes if purchased at asking price: ~$7,200/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 24, 2026Active$365,000
- Oct 15, 2026Listed$365,000
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 $234/sq ft; this home is listed at $226/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 10348 Sequoya Drive, Jacksonville, FL 32257Listed by HESTIA REAL ESTATE SERVICES, INC. | Sep 2026 | $360,000 | $179 | 4/3 | 2,011 | 39 | 0.5 |
| 10443 Osprey Nest Drive W, Jacksonville, FL 32257Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $350,000 | $223 | 3/2 | 1,571 | 26 | 0.6 |
| 10397 Arrow Lakes Court, Jacksonville, FL 32257Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $365,000 | $265 | 3/2 | 1,378 | 3 | 0.6 |
| 4067 Bald Eagle Lane, Jacksonville, FL 32257Listed by DJ & LINDSEY REAL ESTATE | Sep 2026 | $410,000 | $246 | 3/2 | 1,670 | 3 | 0.6 |
| 9970 Timberlake Drive E, Jacksonville, FL 32257Listed by BRANDYWINE HOMES USA LLC | Sep 2026 | $290,000 | $223 | 3/2 | 1,301 | 137 | 0.6 |
| 4551 Sun Garden Drive, Jacksonville, FL 32257Listed by SAM FOLDS, INC., REALTORS | Sep 2026 | $390,000 | $234 | 2/2 | 1,669 | 138 | 0.7 |
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: 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
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
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
Open Houses
10/24/2026
10:00 am - 1:00 pm