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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 Sweetwater, Jacksonville.

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Active Under Contract

Active Under Contract·384 days on market·Sweetwater

8711 Little Swift Circle 24C

Jacksonville, FL 32256

$259,400$180/sqftEst. $1,437/moMLS# 2110541
↓ $500 below original list
2
Beds
2
Baths
1,438
Sq Ft
2009
Built
1
Garage
No
Pool

11 more homes for sale in Sweetwater →Search Sweetwater on the map

FEMA Zone XHOA $250/moCondominium1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Sweetwater

Welcome to The Tides, a move-in ready First Floor condominium in a vibrant 55+ community designed for comfort, connection, and convenience. This home features bright, open living spaces with updated finishes, offering a low-maintenance lifestyle perfect for downsizing or simplifying . The community amenities make every day feel like a retreat--enjoy the sparkling pool, modern fitness center, beautifully appointed clubhouse, and peaceful walking paths that wind through the grounds. Whether you're hosting friends, staying active, or simply relaxing at home, you'll appreciate the thoughtful balance of privacy and social opportunity. Located close to shopping, dining, and essential services, this residence blends everyday practicality with the ease of resort-inspired living. Don't miss your chance to step into a welcoming neighborhood and enjoy the best of 55+ living--10k concession for new ac and hot water heater!

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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$1,437
Property taxesest. at asking price, Duval County$424
HOAbilled monthly$250
Estimated total, before insurance$2,110/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,809/yr · $317/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

$259,400
$51,880
Loan Term
Monthly Payment
$1,437
Principal & Interest: $1,437
Property taxes (est.): $424
Insurance (est.): $173
Estimated Total Monthly
$2,033
*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.

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 2009)

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: ~1,721 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$253,000$253,000▼ $12,500
2024$265,500$203,162▼ $6,500
2023$272,000$191,755—
2022$227,000$177,000—
2021$193,000$96,906—
2020$187,000$94,871—

2024 property taxes (current owner): $3,809/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.

History

Price & status history

  • Sep 24, 2026Active Under Contract$259,400
  • Aug 11, 2026Price change$259,400−$500
  • Sep 25, 2025Listed$259,900

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 $180/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
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
11726 Surfbird Circle, Jacksonville, FL 32256Listed by SOLANO REAL ESTATE LLCOct 2026$295,000$2172/21,361100.2
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$259,400
Price / Sq Ft$180
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,438
Year Built2009
TypeResidential
Sub-TypeCondominium
StatusActive Under Contract
# of Garages1
Has PoolNo
Is WaterfrontNo
55+ CommunityYes

School Information

Community Information

Address8711 Little Swift Circle 24C, Jacksonville, FL 32256
Area027-Intracoastal West-South Of Jt Butler Blvd
SubdivisionSweetwater By Del Webb
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Parcel Number1677570428
ZoningPUD

Amenities

AmenitiesTennis Court(s)
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Dryer, Electric Oven, Electric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
SecuritySecurity Gate

Exterior

Patio / PorchPorch, Screened
RoofShingle
ConstructionStucco
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 25, 2025
Days on Market366
HOA Fees$250 / Monthly
HOA FrequencyMonthly
HOA NameThe tides Condominium
HOA Fee IncludesCable TV, Maintenance Structure
Tax Amount$3,808.57
Tax Year2024
Listing TermsCash, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: EXP REALTY 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.

The neighborhood

About Sweetwater

Sweetwater is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.

View all Sweetwater homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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