12231 DIVIDING OAKS Trail E, Jacksonville, FL 32223
About This Home
*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!
Property Details
Private Listings
The best homes don't always go public.
Our advisors have access to off-market properties across the beach communities that never appear in public listings — tell us what you're looking for.
Similar Homes Nearby
Location
12231 DIVIDING OAKS Trail E, Jacksonville
MLS #: 2157123 · Listing data provided by NEFAR MLS via Spark API. Information deemed reliable but not guaranteed. Last updated September 22, 2026. Listing courtesy of COLDWELL BANKER VANGUARD REALTY.