$475,000
4120 PONY EXPRESS Lane, Jacksonville, FL 32223, Jacksonville, FL 32223
Saddle Ridge
- Price
- $475,000
- Beds / Baths
- 3 / 2
- Living area
- 1,893 sqft
- Year built
- 1985
- Type
- Residential
- Lot
- 0.29 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Duval
- Days on market
- 19
- Elementary
- Loretto
- Middle
- Mandarin
- High school
- Mandarin
$251/sqft asking, vs a $210/sqft median across 649 closed sales in 32223 over the last 12 months — 20% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Full brick pool home with gated boat and RV parking, tucked away on a quiet cul-de-sac in the established Saddle Ridge community. NO HOA!! Offering 3 bedrooms, 2 bathrooms, and 1,893 square feet, this home combines timeless construction, thoughtful updates, and exceptional indoor and outdoor living spaces. Inside, soaring vaulted ceilings and abundant natural light create an open, inviting atmosphere in the spacious great room. Luxury vinyl plank flooring, a floor-to-ceiling brick fireplace, and expansive sliding glass doors overlooking the pool make this the perfect place to gather or unwind. The updated kitchen features refinished 42-inch cabinetry extending to the ceiling, modern hardware, granite countertops, stainless steel appliances, recessed lighting, and a custom built-in coffee bar with additional storage. Adjacent to the kitchen, the breakfast nook enjoys views of the backyard oasis, while the separate dining room offers additional space for entertaining or everyday meals. The spacious primary suite easily accommodates a sitting area and includes a custom walk-in closet system along with a beautifully updated ensuite bath featuring a double vanity with marble countertops and an oversized tiled walk-in shower. Step outside and discover what truly sets this home apart. The screened lanai opens to an expansive pool deck surrounding the sparkling in-ground pool, while the covered gazebo creates an inviting outdoor living room that's perfect for relaxing in the shade, entertaining guests, or enjoying evenings outdoors. The fully fenced backyard still provides generous green space, offering the ideal balance of recreation and relaxation. Need room for your toys? The extended driveway and gated side yard provide ample space for a boat, RV, camper, trailer, or other recreational vehicles, a feature that's increasingly difficult to find. Major updates include a GAF roof installed in 2021, additional blown attic insulation, a new HVAC system in 2024, and a pool pump and filter replaced in 2021. Conveniently located near shopping, dining, parks, and major commuter routes, this well-maintained home offers the opportunity to enjoy both comfortable everyday living and memorable gatherings for years to come.
What to check on this one
- Verify roof age and get 4-point inspection quote; 1985 homes often trigger insurer concerns.
- Confirm flood zone designation with FEMA map; unknown status requires clarification before closing.
- Request pool equipment age, maintenance records, and current repair condition.
- Obtain septic system service history and last inspection date if applicable.
- Review plumbing material (polybutylene/cast-iron risk given 1985 build year).
- Confirm all kitchen/bath updates are permitted and inspected by county.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $380,000 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of WATSON REALTY CORP. Data via realMLS (Northeast Florida MLS), updated Aug 30, 2026, 6:41 AM.
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