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Active Under Contract

Active Under Contract·396 days on market

11890 Surfbird Circle 42E

Jacksonville, FL 32256

$259,900$140/sqftEst. $1,383/moMLS# 2093457

Beds

Baths

1,857

Sq Ft

2006

Built

Garage

Pool

About this home

Jacksonville

Price Change To Sell! Active travelers & snowbirds this is the lifestyle you have been looking for! Relax & Enjoy! Welcome to your turn-key, updated, 2nd floor Cormorant model condo in The Tides at Sweetwater Del Webb. Luxury living at one of the areas 55+ active adult communities. This is the largest floor plan with vaulted ceilings, glass sliders to the oversized screened lanai, generous primary bedroom suite. 3rd Flex room is currently an office but could be a bedroom with solid wood french doors for privacy. New appliances, granite countertops throughout, carpet & paint all within past 4 years, plus new hot water heater & HVAC system. Maintenance free exterior. Enjoy a safe, friendly, active lifestyle with walking trails, pools and many options for social activities and recreation. Convenient to shopping, restaurants, Mayo clinics, pristine beaches & golf courses.

Cost to own

Mortgage calculator

Home Price

$259,900

Down Payment: 20%

$51,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,321

Principal & Interest: $1,321

Est. Taxes & Insurance: $330

Estimated Total Monthly

$1,651

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$1,383

Property taxesest. at asking price, Duval County$424

HOAbilled monthly$250

Estimated total, before insurance$2,058/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$268,000	$104,260	▼ $8,000
2024	$276,000	$100,615	▼ $10,000
2023	$286,000	$96,229	—
2022	$252,000	$91,970	—
2021	$199,500	$87,835	—
2020	$192,000	$102,198	—

2024 property taxes (current owner): $1,977/yr

Estimated taxes if purchased at asking price: ~$5,100/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.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2006)

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

Sewer & public water · JEA Water/Sewer in complex 2014 data

County records show this parcel on central sewer served by JEA Water/Sewer in complex 2014 data — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,793 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 16, 2026Active Under Contract$259,900
Jun 15, 2025Listed$259,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$259,900

Price / Sq Ft$140

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,857

Acres0.01 acres

Year Built2006

TypeResidential

Sub-TypeCondominium

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages1

Has PoolNo

Is WaterfrontNo

55+ CommunityYes

Community Information

Address11890 Surfbird Circle 42E, Jacksonville, FL 32256

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionTides Condo At Sweetwater

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size435.6 sq ft

Parcel Number1677570124

ZoningCondominium

Amenities

AmenitiesPool, Car Wash Area, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Management - Full Time, Park, Pickleball, Security, Spa/Hot Tub, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup

Security24 Hour Security, Fire Alarm, Security Fence, Security Gate, Security Lights, Smoke Detector(s)