Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Deercreek, Jacksonville — a golf course home in Jacksonville.

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Active

Active·315 days on market·Deercreek

9902 Windwater Court

Jacksonville, FL 32256

$984,999$234/sqftEst. $5,022/moMLS# 2109428

Beds

Baths

4,209

Sq Ft

2004

Built

Garage

Yes

Pool

About this home

Deercreek

Luxurious Home in Prestigious Deercreek Golf & Country Club Community Experience luxury living in this move-in ready home located in the prestigious, 24-hour manned gated Deer Creek Golf and Country Club community. Freshly painted inside and out in January 2025, this meticulously maintained residence features new luxury vinyl plank flooring in the master bedroom and throughout the upstairs, a new roof installed in 2021, and two newer AC units (4 and 5 years old). Situated on a quiet cul-de-sac, the home offers a spacious three-car garage and an impressive outdoor oasis perfect for entertaining. Enjoy a private, oversized heated saltwater pool and spa with a brand-new filter system (August 2025), a travertine deck, and a fully equipped outdoor kitchen with built-in grill and gas burners. A covered patio with spiral stairs leads to an exercise room, adding to the home's unique charm. Inside, soaring ceilings and a double-sided fireplace enhance the formal living room, which flows

Cost to own

Mortgage calculator

Home Price

$984,999

Down Payment: 20%

$197,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,022

Principal & Interest: $5,022

Property taxes (est.): $1,608

Insurance (est.): $657

Estimated Total Monthly

$7,287

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$5,022

Property taxesest. at asking price, Duval County$1,608

HOAbilled quarterly$193

Estimated total, before insurance$6,824/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$8,444/yr · $704/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$751,596	$751,596	—
2024	$758,598	$451,736	▲ $65,721
2023	$720,419	$437,123	—
2022	$652,757	$422,935	▼ $7,962
2021	$543,146	$409,161	—
2020	$518,043	$402,822	—

2024 property taxes (current owner): $8,444/yr

Estimated taxes if purchased at asking price: ~$19,300/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.

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 — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,764 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

As of July 2026, 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.

History

Price & status history

Sep 18, 2025Listed$984,999

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

Features

Price$984,999

Price / Sq Ft$234

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage4,209

Total Structure Area5,277 sq ft

Acres0.65 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water

Is WaterfrontNo

Direction FacesSoutheast

Community Information

Address9902 Windwater Court, Jacksonville, FL 32256

Area024-Baymeadows/Deerwood

SubdivisionDeercreek Cc

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size28,314 sq ft

Parcel Number1678019555

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Gated, Golf Course, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Downstairs

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric, Hot Water, Propane

CoolingElectric

FlooringTile, Vinyl, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesDouble Sided

# of Stories2

LevelsTwo

LaundryLower Level, Sink

SecuritySmoke Detector(s)

Spa FeaturesIn Ground, Heated