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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 Jacksonville — a pool home in Jacksonville.

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Sold

Sold·Closed Feb 6, 2026·147 days on market·Recent sales in Jacksonville

9691 Cedar Ridge Drive E

Jacksonville, FL 32221

$400,000sold priceListed at $400,000 · 100% of asking$163/sqftMLS# 2100653
4
Beds
3
Baths
2,448
Sq Ft
2003
Built
2
Garage
Yes
Pool
HOA $23/mo7,841 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Seller open to paying buyer closing costs with receipt of a full price offer. Welcome to a POOL HOME where thoughtful design, recent upgrades, and a backyard retreat all come together in Crystal Creek—one of Jacksonville's most peaceful and well-kept communities. This all-brick residence offers the space and flexibility today's buyers want with four bedrooms and three full bathrooms. The owner's suite features two full baths—one with a soaking tub and the other with a shower/tub combo—each with its own sink and commode, creating a smart layout perfect for busy households or multigenerational living. Inside, enjoy vaulted ceilings, granite countertops in the kitchen, a cozy wood-burning fireplace, and an ideal layout that balances open gathering spaces with privacy. Two secondary bedrooms boast French door closets, while the home also includes multiple TV mounts, a smart thermostat, and fresh interior paint (2024) for a clean, move-in-ready feel.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$2,198
Property taxesest. at asking price, Duval County$653
HOAbilled annually$23
Estimated total, before insurance$2,874/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,792/yr · $233/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).

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 2003)

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

Solar potential: ~1,747 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $2,792/yr

Estimated taxes if purchased at asking price: ~$7,800/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, 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 $184/sq ft; this home is listed at $163/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
9697 Underwood Court, Jacksonville, FL 32221Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$350,000$1874/21,867620.4
1230 Summit Oaks Drive E, Jacksonville, FL 32221Listed by DJ & LINDSEY REAL ESTATEOct 2026$356,500$1933/21,846190.5
1378 Sarahs Landing Drive, Jacksonville, FL 32221Listed by DJ & LINDSEY REAL ESTATEAug 2026$320,000$1844/21,741580.5
1032 Deer Spring Drive, Jacksonville, FL 32221Listed by HEAVENER REALTY, LLCOct 2026$424,900$1465/32,909120.6
9739 Villiers Drive S, Jacksonville, FL 32221Listed by JWB REALTY LLCSep 2026$300,000$1754/21,716510.6
1666 Avenger Lane, Jacksonville, FL 32221Listed by HUSKY REALTY INCAug 2026$308,000$1533/22,016140.6

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$400,000
Price / Sq Ft$163
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,448
Acres0.18 acres
Year Built2003
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water
Is WaterfrontNo

School Information

ElementaryCrystal Springs
MiddleJoseph Stilwell
HighEdward White

Community Information

Address9691 Cedar Ridge Drive E, Jacksonville, FL 32221
Area062-Crystal Springs/Country Creek Area
SubdivisionCrystal Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32221
Lot Size7,840.8 sq ft
Parcel Number0088968680

Amenities

Community FeaturesFishing
UtilitiesCable Available, Electricity Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringLaminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

FencingVinyl
RoofShingle
ConstructionBrick

Additional Information

Date ListedFebruary 3, 2026
Days on Market147
HOA Fees$275 / Annually
HOA FrequencyAnnually
Tax Amount$2,791.51
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Sold by: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY (buyer's brokerage)

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Feb 6, 2026. 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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