114 days on market (MLS) Single Family Residence ▼ Price cut: $7,510 (8/4)
$399,990
3-Bedroom Home in Lake Mandarin

11117 Zephyr Way, Jacksonville, FL 32223

Single Family Residence in Lake Mandarin, Jacksonville · No CDD on record
Lake Mandarin · Jacksonville, FL 32223 · Duval County
Listing data updated October 12, 2026 at 3:20 AM ET · checked against the MLS hourly
3Bedrooms
3Bathrooms
1,833Sq Ft
1978Year Built
$218Per Sq Ft
Waterfront2-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
in line with
$/sq ft vs community
$218 here vs $222 median sold (12 mo)
Buyer leverage
Balanced market
114 days on market
2.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~26 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 12, 2026, 11117 ZEPHYR Way in Lake Mandarin, Jacksonville is listed at $399,990 (1,833 sq ft, about $218 per sq ft). That sits within a few percent of Lake Mandarin's median closed sale of $370,000 over the last 12 months (179 recorded sales). It has been 114 days on market, longer than the community's typical 26 days to contract. Listing facts: built in 1978, waterfront, HOA dues of $25/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1978 · 48 yrs
  • 1,833 sq ft of living area
  • 2-car garage
  • Listed at $399,990 — recent neighborhood median sale price ~$370,000 (nearby sales; deemed reliable, not an appraisal)
  • 114 days on market
  • HOA $25/mo (per listing)
School district: Schools Mandarin is part of Duval County Public SchoolsCommunity built 1960–2026Publix · 2 min driveZENSHI Handcrafted Sushi · 2 min driveMandarin Oaks Shopping Center · 2 min drive
Listing description

About this home

This beautiful split level home offers 1883 sq ft with 3 bedrooms & 3 full bathrooms in the heart of highly sought after Mandarin. This lakeside hideaway with a coastal soul is located on a cul-de-sac with direct access to the spring-fed Lake Mandarin. Designed with elegance and functionality in mind.

This home features a bright open floorplan. The gourmet chef's kitchen boasts sleek quartz countertops, a spacious center island with a breakfast bar & stainless-steel appliances. The kitchen flows seamlessly into the open -concept dining and living area, making it ideal for hosting gatherings & staying connected with guests while enjoying breathtaking views of the lake.

Sit down and relax in the spacious family room with soaring 14 foot ceilings and enjoy cozy, tranquil nights nestled in front of a wood-burning fireplace. The 1st floor offers a bedroom which is currently used as a home office, with a full bathroom conveniently located just steps away. See more........

Ascend the stairs to an intimate alcove designed for unwinding with your favorite book - leading into the primary suite and the guest suite. The primary suite offers a peaceful retreat, flooded with natural light, with all stone floors, and an open terrace overlooking the lake. The perfect spot to enjoy your morning coffee & to watch the ducks, turtles, great blue herons, ospreys and even rocket launches from Cape Canaveral.

The bathroom features double vanities, a sunlit walk-in shower, and a walk-in closet. The beautifully renovated guest suite features luxury vinyl plank flooring that blends rustic charm with modern elegance with a spa-like bathroom designed for ultimate comfort. This home transitions effortlessly between the indoors and outdoors with a high-end glass and screen enclosure, perfect for entertaining in any season.

The Florida room leads to a beautifully designed backyard oasis featuring several wood and flagstone decks. The expansive main deck is the perfect backdrop for summer barbecues, evening cocktails or chatting around the fire pit. Enjoy the ultimate lakefront lifestyle- simply follow a few steps down right to the water's edge to launch your kayak, boat or paddleboard.

Relax while fishing from your dock, go for a swim, or sit back and soak up panoramic views of the lake. The home features a newer roof, has been re-piped to CPVC, updated kitchen and bathrooms, Mitsubishi Mini Split in the primary bedroom, water softener, reverse osmosis, and custom floor trim throughout. For additional storage there is ample space in the attic and a shed in the backyard.

Most of the outside decor will remain and other decor items can be negotiated. The refrigerator in the kitchen and 2 wall-mounted tv's convey. Established in 1978, the Lake Mandarin community has a beautiful private park on the lake with a pickle ball court.

Residents love the convenience of I-295 and all the great shopping and restaurants nearby.

All 31 photos

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Description provided by COMPLETE HOME REALTY, INC. and reproduced from the MLS; not independently verified.

Listing courtesy of COMPLETE HOME REALTY, INC.Provided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$399,990
Bed / bath3 / 3
Living area1,833 sq ft
Year built1978
Property typeSingle Family Residence
Garage2-car
MLS #2150482
Listing status114 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~26 ft
CountyDuval
Area listings29 active · 21 under contract
Estimated first-year tax~$6,250/yr
CDD assessmentNone on record
HOA$25/mo

Calculated estimates

Price per sq ft$218
Estimated monthly payment$2,978
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$370,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$2,978/mo
  • Principal & interest $2,216/mo 74%
  • Taxes $521/mo 17%
  • Insurance $217/mo 7%
  • HOA $25/mo 1%

$2,978/mo at 20% down, 30-yr @ 7.4% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Certified county tax roll
Estimated property taxes after purchase
$6,250/yr
≈ $521/mo·effective rate ~1.56%
Estimate: asking price less the $50,000 homestead exemption × Duval County rate (17.86 mills, adopted 2025 millage). Not a bill.
⚠️

Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.

Current owner’s estimated bill $2,225/yr ($185/mo) — taxable value $124,593 × 17.86 mills
$4,025 more each year
(+181%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$162,121
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$286,714
Market value
$175,315
Assessed
$124,593
Taxable

Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Sources: Florida DOR certified tax roll (2025), realMLS; millage: Duval County Property Appraiser 2025 final millage chart; Duval County School Board FY2025-26 adopted millage. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.

Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$2k–$4k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$25/mo

Per the MLS listing. Confirm exact dues and what they include with the association.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~26 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Duval County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Duval County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively High
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveRelatively High
Winter weatherVery Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · Lake Mandarin

Pricing & the Lake Mandarin market

How this home is priced against recent nearby sales, and where Lake Mandarin has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales3401 PARSON Court3401 PARSON Court: $191/sq ft$1913407 FAIRBANKS GRANT Road3407 FAIRBANKS GRANT Road: $208/sq ft$208This homeThis home: $218/sq ft$2183342 SARAH SPAULDING Dri…3342 SARAH SPAULDING Drive: $223/sq ft$223Community median $222

Price vs. size in Lake Mandarin

Each dot is a closed sale since 2001 (4347 total). This home is the gold marker.

$0$1.7M$3.3M1085,31010,511This home: $399,990, 1,833 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). realMLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2012–2026. This home lists at $218/sq ft.

$64$155$2452012: $8220122013: $872014: $9520142015: $1042016: $11220162017: $1222018: $12820182019: $1392020: $14520202021: $1772022: $21620222023: $2232024: $22820242025: $2172026: $2222026

Median sale price by year

12-month median closed price, 2012–2026.

$107k$253k$398k2012: $135k20122013: $145k2014: $149k20142015: $165k2016: $178k20162017: $205k2018: $215k20182019: $228k2020: $255k20202021: $271k2022: $360k20222023: $350k2024: $365k20242025: $355k2026: $370k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 47 (normal).

3521002013: 3420132014: 122015: 3620152016: 512017: 5520172018: 592019: 4920192020: 682021: 7620212022: 912023: 3820232024: 472025: 3720252026: 472026
Property timeline

This home’s history

  • 1978BuiltPer public record
  • About Jun 2026Listed (per MLS)MLS reports 114 cumulative days on market as of October 12, 2026
  • Jul 2, 2026First seen on movewithmomentum.comObserved at $420,000
  • Jul 2, 2026Price cut$407,500 (-$12,500, -3.0%)
  • Aug 4, 2026Price cut$399,990 (-$7,510, -1.8%)
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $399,990Momentum Realty · on market 114 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

3 closed sales in Lake Mandarin in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 3 sales: $370,000 ($222/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.

The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$357,435the mess$456,417

Directional estimate — 3 comparable closed sales in Lake Mandarin, closed within the last 18 months, same property type, living area within 30% of this home.

Actual list price: $399,990 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 28% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a 1978 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
  • The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — this home carries HOA dues of $25/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 114 days on market vs. a 26-day community median
  • 29 active listings competing, 21 under contract
  • ≈2.0 months of supply
  • 170 closed here in the last 12 months

For reference, this home is listed at $399,990 ($218/sq ft). The list price is the seller's asking price and is not derived from this range.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,833 sq ft × $195–$249/sq ft (±12% around the median of 3 comparable closed sales in Lake Mandarin, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.

Momentum Scores

Momentum Property Score

61/100
Strongest on: Flood safety (95), Market liquidity (78)
0 limited50100 exceptional

61/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area55
This home $218/sq ft vs the community 12-month median $222/sq ft.
Affordability36
List price $399,990 vs the community median $370,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~26 ft elevation. Verify the parcel with FEMA.
Insurance cost53
From FEMA Zone X and a 1978 build. Obtain a property-specific quote.
Market liquidity78
Community median 26 days on market, ~2.0 months of supply (12-month record).
Pricing power56
Recent sales closed at about 96.9% of original asking (~3.1% below). More room below asking generally favors buyers.
Market timing53
Momentum Market Heat is 47/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.

Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Balanced conditions around this listing. 2.0 months of supply in the surrounding market and 114 days on market for this home, against a 26-day area median.Days on market:this home 114Area median:  26 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 10, 2026.

🟡 Asking $218 per square foot, about in line with the community’s $222 median. Lake Mandarin’s 12-month median sold price per square foot is $222. Median sold price per square foot is up 4.2% year over year. Confidence: Very High · 179 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

78% of homes in Lake Mandarin are owner-occupied. An estimated 22% are non-owner-occupied, including 11% held in a company or trust and 3% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 1212 homes matched. Community-level context.

Recent Lake Mandarin sales closed near 96.9% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 10, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 29 active listings in Lake Mandarin, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by COMPLETE HOME REALTY, INC. · MLS # 2150482

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Keep looking

Similar homes for sale near Lake Mandarin

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Newest listings in Lake Mandarin

Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings

In the area

Recent Mandarin news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Sep 2026 · Development

UF Health partner Intuitive is identified for a possible freestanding emergency room in Mandarin

City utility JEA received a service availability request for a freestanding emergency room in Mandarin, with UF Health Jacksonville partner Intuitive identified on the filing. The Daily Record reports it would be a possible fifth UF Health hybrid emergency and urgent care center in the Jacksonville area.

Why it matters: A hybrid emergency and urgent care center could shorten drive times for Mandarin households that now travel outside the area for emergency care, if the project moves past the utility request stage.

Jacksonville Daily Record

Jun 2026 · Retail Dining

Burlington appears to be adding a second smaller Mandarin store

Burlington Stores appears to be pursuing a second Mandarin area location in about 28,020 square feet at Riverplace Shopping Center. The company indicated it would likely share more information later in the year closer to 2027 and said it has no current plans to close its existing Old St. Augustine Plaza store.

Why it matters: If it moves forward, the store could add to retail options in the area, though timing remains uncertain.

Jacksonville Daily Record

Jun 2026 · Retail Dining

Franchisee proposes Mandarin Dairy Queen

A closed Burger King at 11031 Old St. Augustine Road in Mandarin is in review for conversion into a Dairy Queen Grill and Chill. Depending on permits, construction could start in time for an October opening. The property owner leases the site to the franchisee group.

Why it matters: The proposal could bring another quick service dining option to the corridor if permitting proceeds.

Jacksonville Daily Record

Jun 2026 · Retail Dining

Sparkle dog grooming approved for Mandarin Corners build-out

The city approved a tenant build-out for Sparkle, a dog grooming business, in 1,368 square feet at 10991 San Jose Blvd. in the Mandarin Corners shopping center. The June 4 permit lists AEC Integrated LLC as contractor at a stated cost of about $65,000.

Why it matters: Small service tenants continue to backfill space at Mandarin Corners, which may signal steady leasing demand along this stretch of San Jose Boulevard as the adjacent Raising Cane's site advances.

Jacksonville Daily Record

Go deeper

More on Duval County

Explore Duval County

Browse market data, schools, taxes, and homes for sale across the county.

Assigned schools

Assigned schools

Schools currently assigned to this address in Duval County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

GRADEA
Mandarin Oaks Elementary SchoolPreK-5 · Duval County School District · Grade A (Florida DOE 2025-26)
GRADEA
Mandarin Middle School6-8 · Duval County School District · Grade A (Florida DOE 2025-26)
GRADEA
Mandarin High School9-12 · Duval County School District · Grade A (Florida DOE 2025-26)
What's nearby

Drive times to everyday places

Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.

Groceries

  • Publix 2 min

Dining

  • ZENSHI Handcrafted Sushi 2 min

Shopping

  • Mandarin Oaks Shopping Center 2 min

Parks

  • Walter Jones Historic Park 2 min
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 11117 ZEPHYR Way, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1978 (48 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • HOA dues are listed at $25/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Duval County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
  • Listed living area is 1,833 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $6,250/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,025 more per year than the current owner’s estimated bill (+181%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • Confirm school zoning directly with the district.
Provenance

Data sources & freshness

Listing recordrealMLS, checked against the MLS hourly (last: October 12, 2026)
Comparable salesrealMLS closed sales in Lake Mandarin, last 18 months, as of October 10, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 11117 ZEPHYR Way and when was it built?

Per the listing record, 11117 ZEPHYR Way was built in 1978 and has 1,833 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 11117 ZEPHYR Way in?

11117 ZEPHYR Way is in Lake Mandarin in Jacksonville, Duval County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 11117 ZEPHYR Way have an HOA, and how much are the dues?

The listing reports HOA dues of $25 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.

Why might property taxes on 11117 ZEPHYR Way differ from the current owner's?

The estimate on this page (about $6,250 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,025 more per year than the current owner’s estimated bill (+181%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 11117 ZEPHYR Way in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.