2 bedroom Condominium at 3737 LORETTO Road #703, Mandarin Pointe, Jacksonville — photo 1Front elevation
2 bedroom Condominium at 3737 LORETTO Road #703, Mandarin Pointe, Jacksonville — photo 2Living space
2 bedroom Condominium at 3737 LORETTO Road #703, Mandarin Pointe, Jacksonville — photo 3Kitchen
2 bedroom Condominium at 3737 LORETTO Road #703, Mandarin Pointe, Jacksonville — photo 4Owner's suite
2 bedroom Condominium at 3737 LORETTO Road #703, Mandarin Pointe, Jacksonville — photo 5Exterior / yardView all 16 photos →
Active Condominium
$149,900

3737 LORETTO Road #703, Jacksonville, FL 32223

Condominium in Mandarin Pointe, Jacksonville · No CDD · FEMA Zone X
Mandarin Pointe · Jacksonville, FL 32223 · Duval
Listing data updated July 3, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
908Sq Ft
1986Year Built
$165Per Sq Ft
No CDDFEMA Zone X
Highlights
  • No CDD assessment on record
  • FEMA Zone X — flood insurance generally not federally required
  • Built 1986 · 40 yrs
  • 908 sq ft of living area
  • $165/sq ft — compared with the displayed median of $165 from recent nearby sales
  • Active listing
  • HOA ~$50/mo (estimate; confirm)

This listing is shown at $149,900, with 2 bedrooms and 2 bathrooms, and 908 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.

Momentum Snapshot

The whole picture, at a glance

Property

Bedrooms2
Bathrooms2
Living area908 sq ft
Year built1986
Property typeCondominium

Financial

Est. monthly payment$1,056
Est. taxes / yr~$1,709
Est. insurance / yr~$976
HOA$50/mo
CDDNone on record
Price / sq ft$165

Risk

Flood zoneZone X
Ground elevation~20 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$976/yr

Market

Neighborhood median DOM63
Active listings (area)37
Months of supply2.9
Comparable-sales median$149,900

Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Visual snapshot

The numbers, at a glance

Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$976/yr
Estimated homeowners premium; get a real quote.
Months of supply
2.9 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
45/100
Balanced market — from supply, under-contract share, and days on market.

Estimated monthly payment

$1,056/mo
  • Principal & interest $782/mo 74%
  • Taxes $142/mo 13%
  • Insurance $81/mo 8%
  • HOA $50/mo 5%

Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Momentum Scores

Momentum Property Score

58/100
Strongest on: Flood safety (95), Insurance cost (59)

A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.

Price vs area50
This home $165/sq ft vs area median $165/sq ft from recent nearby sales.
Affordability50
List price $149,900 vs area median $149,900. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost59
From FEMA Zone X and a 1986 build. Obtain a property-specific quote.
Market liquidity57
Area median 63 days on market, ~2.9 months of supply.
Investment metrics51
Objective supply and demand metrics for the area - not investment advice.
Renovation upside46
From a 1986 build and $165/sq ft vs area $165/sq ft. Not a condition assessment.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Listing facts & disclosures
$149,900
List price
As listed in the MLS
2 / 2
Bed / bath
Per the listing
908
Living area
Sq ft (approx.)
$165
Price / sq ft
List ÷ living area

The home

Year built1986
Per public record.
Property typeCondominium
Per the listing.

Costs

HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$1,709/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.

Site & risk

FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.

Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.

Listing courtesy of LA ROSA REALTY NORTH FLORIDA, LLC.Provided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
The Messtimate™

The Messtimate: $131,660 – $167,980

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.

$131,660the mess$167,980

Actual list price: $149,900 — 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 renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
  • The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
  • Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
  • Views & orientation — golf, water, or preserve views aren't in the square footage.
  • Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
  • Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
  • Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
  • Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
  • School zoning & micro-location — one street over can mean a different school, and a different price.

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

  • 37 active listings competing in Mandarin Pointe
  • 21 under contract now
  • 36% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
  • 2.9 months of supply (one market-context metric; should not be used alone)
  • 3 new-construction homes competing
  • Median sale price is up 38% over the last 127 months
  • Homes here sell at about 97.6% of list price
  • 154 closed here in the last 12 months

For reference, this home is listed at $149,900 ($165/sq ft) — a number set with analysis a Messtimate can't do.

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: 908 sq ft × $145–$185/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 3, 2026.

Property timeline

This home’s history

  • 1986BuiltPer public record
  • Jul 3, 2026First trackedObserved at $149,900
  • NowActiveCurrently for sale

Build year is from public record. Listing 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.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$687 – $999/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate3.9%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$388 – −$108At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check

Every number, sourced

We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$149,900
Bed / bath2 / 2
Living area908 sq ft
Year built1986
Property typeCondominium
MLS #2153652
Listing statusActive
Days on marketNot available on this page

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
CountyDuval
Estimated first-year tax~$1,709/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$165
Estimated monthly payment$1,056
Estimated insurance~$976/yr
Messtimate rangeNot available on this page
Comparable-sales median$149,900

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
No surprises at closing

Estimate a monthly payment

A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.

Estimated monthly payment
$1,056
Principal & interest$782
Property tax$142
Insurance$81
CDD assessment$0
HOA$50
PMI$0

Down payment $29,980 · Loan $119,920. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.

Estimated ownership costs

Estimated costs & disclosures

Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.

Property tax reset
~$1,709/yr

The seller likely pays less due to the homestead cap. At a $149,900 purchase, expect your first full-year Duval bill near $1,709 before exemptions.

CDD assessment
None

No CDD assessment on record for this community.

Insurance
~$976/yr

Estimate for a 1986 build in Duval. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

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
~20 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Market data · public records

Recent sales activity in Mandarin Pointe

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Mandarin Pointe neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Median sale price (set)
$149,900

Median closed price of the comparable set. Reference only.

Median $/sq ft (set)
$165

Median $/sq ft of the comparable set. Reference only.

This home $/sq ft
$165

List price divided by living area. Provided as data, not a value judgment.

Go deeper on Mandarin Pointe

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

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
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.

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

May 2026 · Retail Dining

Raising Cane's issued permits at Mandarin Corners on San Jose Boulevard

The city issued permits May 29 for Raising Cane's Chicken Fingers to build on a 1.05 acre site at 10989 San Jose Blvd in the Mandarin Corners shopping center, south of Interstate 295. It would be the chain's fourth identified Jacksonville site.

Why it matters: A high-volume drive-thru brand committing to Mandarin Corners may reinforce San Jose Boulevard's standing as a regional retail spine, which could support surrounding commercial occupancy.

Jacksonville Daily Record

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.

Mandarin Oaks Elementary SchoolPreK-5 · Duval County School District
Mandarin Middle School6-8 · Duval County School District
Mandarin High School9-12 · Duval County School District
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

No closely comparable recent sales were found in this data set.

Keep looking

Similar homes for sale near Mandarin Pointe

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.

Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Listing description

About this home

Location: Ground Floor Unit #703, 2-Bedrooms, 2 Full Bath Condo Unit With Low HOA Fees, Water & Sewer Included in HOA Fee. Walking Distance to Loretto Elementary. Minutes to all Shops & Restaurants. Tile Flooring throughout w/ Living Room & Dining area. It's a New Carpet in 2 Bedrooms. Primary Bedroom w/Large Walk-In Closet. Full Kitchen includes New Refrigerator, Cooktop Stove, Microwave & Dishwasher (Sold ''AS IS''), Solid Surface Countertops. New Full-Size Washer/Dryer Included. Community Pool & Quick Driving Access to Both I-95 and I-295.

Description provided by LA ROSA REALTY NORTH FLORIDA, LLC. and reproduced from the MLS; not independently verified.

The full spec sheet

Property details & features

Interior

  • Bedrooms2
  • Bathrooms2
  • Living area908 sq ft

Exterior & lot

  • TypeCondominium

Systems

  • Year built1986
  • Age40 yrs

Listing

  • MLS #2153652
  • StatusActive
  • Days on market0
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Transparency

Price & listing history

Listed for $149,900Momentum Realty · on market 0 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
Answered before you ask

Frequently asked questions

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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.

Ready when you are

See 3737 LORETTO Road #703 in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Momentum Realty · licensed in FL & GA

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 a typical county millage rate to the list price 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.

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.