$430,000
4128 PONY EXPRESS Lane, Jacksonville, FL 32223, Jacksonville, FL 32223
Saddle Ridge
- Price
- $430,000
- Beds / Baths
- 4 / 2
- Living area
- 2,374 sqft
- Year built
- 1987
- Type
- Residential
- Lot
- 0.35 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Duval
- Days on market
- 43
- Elementary
- Loretto
- Middle
- Mandarin
- High school
- Mandarin
$181/sqft asking, vs a $210/sqft median across 649 closed sales in 32223 over the last 12 months — 14% below the area's closed prices. Condition and lot vary; that's what a showing is for.
OPPORTUNITY AWAITS in the heart of Mandarin! This 4-bedroom, 2-bath brick home sits on a spacious lot and is ready for its next chapter. With solid bones, a functional floor plan, and plenty of room to grow, this property is the perfect canvas for buyers looking to add their personal touch. Whether you're an investor, DIY enthusiast, or a family searching for a home to make your own, this property offers endless potential. The large backyard provides ample space for entertaining, gardening, play, or plenty of space to add a pool. Conveniently located near top-rated schools, shopping, dining, parks, and major highways, you'll enjoy the charm of an established Mandarin neighborhood while building equity through updates and renovations. Bring your vision and make this house your dream home!
What to check on this one
- Verify roof age and get 4-point inspection; 39-year-old homes need wind-mitigation report for insurance.
- Confirm flood zone designation and obtain elevation certificate if in AE/VE zone.
- Order home inspection covering plumbing material (polybutylene/cast-iron common in 1987 builds).
- Pull septic vs. municipal water/sewer records; well presence if applicable.
- Document all deferred maintenance noted in inspection before making repair cost estimates.
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 $344,000 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 UNITED REAL ESTATE GALLERY. Data via realMLS (Northeast Florida MLS), updated Aug 26, 2026, 11:11 PM.
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