4191 CUMBRIAN GARDENS LANE, JACKSONVILLE, FL, 32257
Active Under Contract1 days on marketListed Nov 5, 2026MLS #O6451363
About this home
4191 CUMBRIAN GARDENS LANE
Under contract-accepting backup offers. Welcome to 4191 Cumbrian Gardens Lane – A Charming Home in the Heart of Mandarin! Discover the perfect blend of comfort, charm, and convenience in this inviting four-bedroom home in the quaint, desirable Mandarin neighborhood. Thoughtfully designed for everyday living and entertaining, this home features a beautifully renovated kitchen that brings fresh style and functionality to the heart of the home. With four spacious bedrooms, there’s plenty of room for family, guests, or a dedicated home office. Enjoy the added convenience of a two-car garage, plus a separate storage shed with even more room for tools, hobbies, and outdoor essentials. Step outside to a fully fenced backyard, perfect for pets, playtime, weekend barbecues, or simply relaxing and enjoying your own private outdoor space. Whether you're looking for room to grow, space to entertain, or a place to call home in one of Mandarin's charming neighborhoods, this property is full of possibilities. Come experience the charm, comfort, and lifestyle that make this home such a special find! All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,568
Sqft
0.2 ac
Lot size
2
Garage
1977
Year built
One
Levels
$252
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.
$3,476 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,476/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−5.6%
Days on market
1 vs 39 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Sunbeam
Get to know Jacksonville. See the full Jacksonville guide →
Sunbeam — neighborhood snapshot
Population
8,491
Median age
39
Median income
$92,404
Median home value
$316,467
Avg household
3
Households w/ children
1,029
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
$310K → $336K
Jacksonville median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
Median sold price, Jacksonville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the JACKSONVILLE 32257 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4191 CUMBRIAN GARDENS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4191 CUMBRIAN GARDENS LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4191 CUMBRIAN GARDENS LANE FAQs
What would the monthly payment be for 4191 CUMBRIAN GARDENS LANE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,476/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 4191 CUMBRIAN GARDENS LANE?+
The most recent tax bill on record (2025) was $5,152. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Jacksonville?+
At $395,000, this home is listed about 36% above the Jacksonville median of $289,990. The market section on this page shows how the area is trending.
Which schools are assigned to 4191 CUMBRIAN GARDENS LANE?+
Mandarin Middle School (middle), Mandarin Oaks Elementary School (elementary), Samuel W. Wolfson High School (high), Atlantic Coast High School (high) — Duval County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$395,000 runs 27% above the JACKSONVILLE 32257 median.
02Fresh on the market
Only 1 day on market in a Jacksonville market that averages 39 — if it fits, move quickly.
03Strong assigned schools
Mandarin Middle School, Mandarin Oaks Elementary School, Samuel W. Wolfson High School, Atlantic Coast High School — Samuel W. Wolfson High School rates 5 of 5. Always verify assignments with the district.
Listing courtesy of DJ & LINDSEY REAL ESTATE · Jocelyn Davis. MLS #O6451363.
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 Stellar MLS.
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