This home is in Jacksonville.

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Active

Active·85 days on market

5477 Brightwater Lane

Jacksonville, FL 32277

$550,000$174/sqftEst. $2,927/moMLS# 2113845

Beds

Baths

3,159

Sq Ft

1979

Built

Garage

Pool

About this home

Jacksonville

This 5 bedroom 3.5 bath home has been completely remodeled inside. Primary bathroom has shower and free standing tub. Primary bedroom has 2 closets. This is a must see. Home has a new A/C system, New Windows and Sliders, New appliances, washer dryer and water heater. The home has new flooring throughout and has been beautifully updated with new cabinetry and custom wine room. What a great home for entertaining. All located within centrally located Charter Point. Also available for Lease under MLS 2116413

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,778

Principal & Interest: $2,778

Est. Taxes & Insurance: $695

Estimated Total Monthly

$3,473

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,927

Property taxesest. at asking price, Duval County$898

HOAbilled annually$23

Estimated total, before insurance$3,848/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$301,589	$159,073	▼ $93,569
2024	$382,138	$153,742	▲ $19,401
2023	$376,638	$152,663	—
2022	$350,564	$146,761	—
2021	$272,670	$141,031	—
2020	$258,529	$138,394	—

2024 property taxes (current owner): $3,117/yr

Estimated taxes if purchased at asking price: ~$10,800/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 (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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1979)

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

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: ~1,543 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Apr 20, 2026Listed$550,000

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

Features

Price$550,000

Price / Sq Ft$174

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,159

Acres0.34 acres

Year Built1979

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address5477 Brightwater Lane, Jacksonville, FL 32277

Area041-Arlington

SubdivisionCharter Point

CityJacksonville

CountyDuval

StateFL

Zip Code32277

Lot Size14,810.4 sq ft

Lot Dimensions120x120

Parcel Number1089271218

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s), Wine Cellar

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric, Split System

FlooringLaminate

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup