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This home is in Sweetwater, Jacksonville.

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Active

Active·339 days on market·Sweetwater

8711 Little Swift Circle 24C

Jacksonville, FL 32256

$259,400$180/sqftEst. $1,334/moMLS# 2110541

Beds

Baths

1,438

Sq Ft

2009

Built

Garage

Pool

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!

Cost to own

Mortgage calculator

Home Price

$259,400

Down Payment: 20%

$51,880

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,334

Principal & Interest: $1,334

Property taxes (est.): $424

Insurance (est.): $173

Estimated Total Monthly

$1,930

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,334

Property taxesest. at asking price, Duval County$424

HOAbilled monthly$250

Estimated total, before insurance$2,007/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
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.

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.

History