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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Waterleaf, Jacksonville — a home near Sandalwood High School.

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Sold

Sold·Closed Aug 27, 2025·120 days on market·Recent sales in Waterleaf·Waterleaf

909 Mineral Creek Drive

Jacksonville, FL 32225

$525,000sold priceListed at $525,000 · 100% of asking$188/sqftMLS# 2074948
4
Beds
3.5
Baths
2,786
Sq Ft
2004
Built
2
Garage
Yes
Pool

9 more homes for sale in Waterleaf →Search Waterleaf on the map

HOA $51/mo6,534 sqft lotSingle Family Residence2 stories

About this home

Waterleaf

This stunning two-story home offers a grand foyer that opens up to the second floor. The spacious kitchen features 42'' upper cabinets, a prep island, and ample counter space, all overlooking the family room with a gas fireplace. Abundant natural light and plenty of storage throughout, this home is perfect for comfortable living. The large master bedroom provides a peaceful retreat, and the second floor boasts a generously sized loft. The home backs to a tranquil natural preserve, offering privacy and serenity. Don't miss out on this must-see property! Recent upgrades include a new water heater, garage door opener, sprinkler control panel, and pool rover. An inground pool with full pavers and a heated Jacuzzi, installed in 2017. The community amenities include a basketball court, pool, water park, walking trails, and catch-and-release ponds. Conveniently located just 10 minutes from the beaches and town center.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,908
Property taxesest. at asking price, Duval County$857
HOAbilled semi-annually$51
Estimated total, before insurance$3,817/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,224/yr · $435/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$525,000
$105,000
Loan Term
Monthly Payment
$2,908
Principal & Interest: $2,908
Property taxes (est.): $857
Insurance (est.): $350
Estimated Total Monthly
$4,115
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2004)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,803 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard and pool on the east side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.

  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$437,014$281,314—
2024$425,997$272,679▲ $18,126
2023$434,680$263,281—
2022$411,204$254,157—
2021$310,286$245,299—
2020$302,341$241,222—

2024 property taxes (current owner): $5,224/yr

Estimated taxes if purchased at asking price: ~$10,300/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $199/sq ft; this home is listed at $188/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
880 Candlebark Drive, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$555,000$2005/42,77050.1
970 Mineral Creek Drive, Jacksonville, FL 32225Listed by CROSSVIEW REALTYSep 2026$440,000$1974/22,234480.2
757 Benton Harbor Drive E, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$430,000$2163/21,993970.6
12528 Point Park Drive, Jacksonville, FL 32225Listed by WATSON REALTY CORPJul 2026$399,900$1993/22,013370.9
1693 Timber Crossing Lane, Jacksonville, FL 32225Listed by HERRON REAL ESTATE LLCAug 2026$500,000$1764/32,841201.2
1656 Hawkins Cove Drive E, Jacksonville, FL 32246Listed by SEFAIR INVESTMENTS, INC.Sep 2026$400,000$1156/43,479241.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$525,000
Price / Sq Ft$188
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,786
Total Structure Area3,310 sq ft
Acres0.15 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Fenced, Gas Heat, Pool Sweep, Salt Water
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryWaterleaf
MiddleLandmark

Community Information

Address909 Mineral Creek Drive, Jacksonville, FL 32225
Area042-Ft Caroline
SubdivisionWaterleaf
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size6,534 sq ft
Parcel Number1622251535
ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Playground, Tennis Court(s)
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Off Street
ViewProtected Preserve

Interior

Interior FeaturesCeiling Fan(s), Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, ENERGY STAR Qualified Refrigerator, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric, Multi Units
FlooringCarpet, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Upper Level, Washer Hookup
SecurityClosed Circuit Camera(s), Security System Owned, Smoke Detector(s)
Spa FeaturesIn Ground, Heated, Private

Exterior

Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchRear Porch
FencingBack Yard
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMarch 11, 2025
Days on Market120
HOA Fees$308 / Semi-Annually
HOA FrequencySemi-Annually
HOA NameWaterleaf HOA
Tax Amount$5,223.7
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DJ & LINDSEY REAL ESTATE

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Waterleaf

Waterleaf is a neighborhood in Jacksonville, FL (Duval County), ZIP 32225.

View all Waterleaf homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 27, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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