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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 gated community home in Jacksonville.

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Sold

Sold·Closed Sep 26, 2025·33 days on market·Recent sales in Jacksonville

11824 Surfbird Circle 21D

Jacksonville, FL 32256

$278,000sold priceListed at $279,000 · 99.6% of asking$150/sqftMLS# 2100942
3
Beds
2
Baths
1,857
Sq Ft
2013
Built
1
Garage
No
Pool
HOA $360/moCondominium1 story

About this home

Jacksonville

Welcome to your dream condo in The Tides at Sweetwater by Del Webb, Jacksonville, FL! This spacious Cormorant floorplan offers 1,857 sq ft of elegant living with 3 bedrooms (2 + versatile den), 2 bathrooms, and a thoughtful split layout for privacy. Built in 2013, it features Brand new carpet w/upgraded pad, vaulted ceilings, custom plantation shutters, an open living/dining area, gourmet kitchen with large island, custom granite, and premium appliances, primary suite with luxurious en-suite bath, in-unit laundry, screened lanai, and attached garage. In this 55+ active adult gated community, enjoy resort-style amenities like indoor/outdoor pools, fitness center, clubhouse, tennis/pickleball courts, bocce, walking trails, arts/crafts studios, and social events. Nestled in Southside, you're minutes from St. Johns Town Center shopping, dining, beaches, Mayo Clinic and highways.

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$1,540
Property taxesest. at asking price, Duval County$454
HOAbilled monthly$360
Estimated total, before insurance$2,354/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,136/yr · $345/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

$278,000
$55,600
Loan Term
Monthly Payment
$1,540
Principal & Interest: $1,540
Property taxes (est.): $454
Insurance (est.): $185
Estimated Total Monthly
$2,179
*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 2013)

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

Solar potential: ~1,760 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 on the east side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • 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 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

2024 property taxes (current owner): $4,136/yr

Estimated taxes if purchased at asking price: ~$5,400/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.

History

Price & status history

  • Jul 28, 2025Listed$279,000

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

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 $170/sq ft; this home is listed at $150/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11726 Surfbird Circle, Jacksonville, FL 32256Listed by SOLANO REAL ESTATE LLCOct 2026$295,000$2172/21,361100.1
11852 Surfbird Circle 41G, Jacksonville, FL 32256Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$260,000$1692/21,536710.1
11871 Surfbird Circle 9G, Jacksonville, FL 32256Listed by REGATTA REI, LLCSep 2026$242,000$1582/21,53690.1
8527 Little Swift Circle 34G, Jacksonville, FL 32256Listed by PREMIER HOMES REALTY INCSep 2026$245,000$1702/21,438600.1
11890 Surfbird Circle 42E, Jacksonville, FL 32256Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$250,000$1353/21,8573960.1
11927 Surfbird Circle 12E, Jacksonville, FL 32256Listed by KELLER WILLIAMS ST JOHNSAug 2026$275,000$1792/21,536800.2

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$279,000
Price / Sq Ft$150
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,857
Year Built2013
TypeResidential
Sub-TypeCondominium
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo
55+ CommunityYes
Direction FacesWest

School Information

Community Information

Address11824 Surfbird Circle 21D, Jacksonville, FL 32256
Area027-Intracoastal West-South Of Jt Butler Blvd
SubdivisionTides Condo At Sweetwater
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Parcel Number1677570478
ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Maintenance Structure, Pickleball, Spa/Hot Tub, Tennis Court(s), Trash
Community FeaturesSidewalks, Street Lights, Gated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Gated
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit
SecurityFire Sprinkler System, Security Gate
Spa FeaturesCommunity

Exterior

Lot DescriptionWooded
Patio / PorchPorch, Rear Porch, Screened
RoofShingle
ConstructionBlock, Stucco
Road SurfaceAsphalt, Paved

Additional Information

Date ListedJuly 28, 2025
Days on Market33
HOA Fees$360 / Monthly
HOA FrequencyMonthly
HOA NameSweetwater by Del Webb HOA
HOA Fee IncludesMaintenance Grounds, Maintenance Structure, Pest Control, Security, Trash
Tax Amount$4,136.06
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

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 Sep 26, 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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