3105 Loretto Road, Jacksonville FL 32223, JACKSONVILLE, FL, 32223
Pending156 days on marketListed Mar 13, 2026MLS #B26001809
About this home
3105 Loretto Road, Jacksonville FL 32223
Fully renovated concrete block home in the desirable Mandarin area on a spacious quarter acre lot. This 2 bedroom, 2 bathroom home offers 1,152 square feet of updated living space with new roof, new AC, and new water heater. Interior features updated kitchen and bathrooms, new flooring, and modern fixtures throughout. Functional layout includes a comfortable living area with fireplace and a separate office or flex space ideal for working from home. Large yard offers room for outdoor living, parking, or future possibilities. No HOA. Conveniently located near shopping, dining, and major roadways. Move in ready and ideal for both owner occupants and investors seeking a low maintenance property
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,152
Sqft
0.23 ac
Lot size
1
Garage
1960
Year built
1
Levels
$217
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,044 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,044/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Loretto
Get to know Jacksonville. See the full Jacksonville guide →
Loretto — neighborhood snapshot
Population
8,507
Median age
37
Median income
$70,959
Median home value
$254,400
Avg household
3
Households w/ children
1,141
For the school run
Duval County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Jacksonville market
$330K → $309K
Jacksonville median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
Median sold price, Jacksonville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% above the JACKSONVILLE 32223 median. See the full Jacksonville market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3105 Loretto Road — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3105 Loretto Road — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3105 Loretto Road FAQs
What would the monthly payment be for 3105 Loretto Road, Jacksonville FL 32223?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,044/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 3105 Loretto Road, Jacksonville FL 32223?+
The most recent tax bill on record (2025) was $3,627. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3105 Loretto Road, Jacksonville FL 32223?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Jacksonville?+
At $249,900, this home is listed about 16% below the Jacksonville median of $298,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3105 Loretto Road, Jacksonville FL 32223?+
Loretto Elementary School (elementary), Mandarin High School (high), Mandarin Middle School (middle) — Duval County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$249,900 runs 14% above the JACKSONVILLE 32223 median.
02Time on market is leverage
156 days on market against a Jacksonville median of 37 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Loretto Elementary School, Mandarin High School, Mandarin Middle School — Loretto Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $259,900, now $249,900 — a $10K cut. The full history is in the market section below.
IDX information is 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. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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