12231 Dividing Oaks Trl
*2.25% ASSUMABLE LOAN-A RARE OPPORTUNITY!* Qualified buyers may have the opportunity to assume the existing loan at an exceptional 2.25% interest rate, subject to lender approval and loan assumption requirement's. Nestled on a private 0.70-acre conservation lot with a scenic creek leading to Julington Creek, this beautiful 4BR/2.5BA home offers the perfect blend of privacy, space, and convenience in the heart of Mandarin. The chef's kitchen features dual sinks, double ovens, built-in double microwaves, a center island, and a breakfast nook. Rich wood floors and custom molding add timeless elegance throughout. Enjoy a double-sided fireplace in the main living areas and a second fireplace in the spacious owner's suite. Step outside to a peaceful backyard surrounded by mature trees and nature, while remaining just minutes from shopping, dining, and entertainment. With an assumable 2.25% loan and a desirable Mandarin location, this is an opportunity you will not want to miss!
Listing Information
Facts & Features
Location
Community Information
Architecture
Features & Amenities
Property Features
Square Footage
Tax & Financial Information
Schools
River City Science Academy At Mandarin
Mandarin High School
Loretto Elementary School
Greenland Pines Elementary School
Crown Point Elementary School
Julington Creek Elementary School
Jacksonville Classical Academy East
Seventh Generation Classical Academy At Mandarin
School ratings are provided for informational purposes only and are subject to change. Attendance boundaries are for reference only — contact the school or district directly to verify enrollment eligibility.
Historical Data
Price History
| Date | Event | Price |
|---|---|---|
| 09/18/2026 | Price change | $599,000 |
| 07/25/2026 | Listed for sale | $629,000 |
Listed by PATRICIA ORANGE · COLDWELL BANKER VANGUARD REALTY · 9042855000
Listing information provided exclusively 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. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, realMLS. All rights reserved.
Last Updated: September 26, 2026 at 9:43 PM | Source: realMLS | MLS#: 2157123
Similar Homes For Sale In Jacksonville
New Listing
Start Your Real Estate Journey
Whether you have questions about this listing, want to schedule a showing, or just want to talk through your options, Chris Ralston is here to help. Reach out and expect a response within one business day.
How can I help?
Chris Ralston is here to help. Reach out and expect a response within one business day.
Thanks — Chris Ralston will be in touch shortly.
Make A Plan For Your Purchase
Know what you can afford before you start shopping — then run the numbers on any home you have in mind.
How much house can I afford?
- Principal & interest
- Property taxes
- Homeowner's insurance
- HOA dues
If your monthly savings are applied to the loan principal.
Enter your income, debts, and down payment to see how much home you may qualify for. Estimates only — not a lending decision.
Want to know more?
Chris Ralston is here to help. Reach out and expect a response within one business day.
✓ Thanks — Chris Ralston will be in touch shortly.