This home is in Sweetwater, Jacksonville.

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Active Under Contract

Active Under Contract·182 days on market·Sweetwater

11895 Surfbird Circle 11A

Jacksonville, FL 32256

$259,900$145/sqftEst. $1,383/moMLS# 2125271

Beds

Baths

1,797

Sq Ft

2006

Built

Garage

Pool

About this home

Sweetwater

WOW! Beautiful and stunning Spoonbill plan w/2BR/2Baths plus den/office in age restricted (55+years) Del Webb community. Popular model, w/screened lanai, overlooks a tranquil lake w/sparkling fountain providing a relaxing setting for morning and afternoon enjoyment! Special features include premium front door w/glass insert, Nest thermostat, kitchen glass backsplash,42'' cabinets, reverse osmosis water filter in kitchen, microwave (2023), water softener, new bathroom fixtures. Spacious unit features Corian countertops, smooth top range, disposal and icemaker refrig, W&D included! MBR w/MB features double vanities, separate shower and large WIC! The lifestyle activities are numerous: outdoor/indoor pools, hot tub, tennis, pickleball & bocce courts, walking trails, golf groups, card games, exercise & aerobic classes, planned social activities, etc, etc. PLUS the peace of mind of a One Year Buyer Home Warranty.

Cost to own

Mortgage calculator

Home Price

$259,900

Down Payment: 20%

$51,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,321

Principal & Interest: $1,321

Est. Taxes & Insurance: $330

Estimated Total Monthly

$1,651

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$1,383

Property taxesest. at asking price, Duval County$424

HOAbilled monthly$275

Estimated total, before insurance$2,083/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	$267,500	$267,500	▼ $8,000
2024	$275,500	$137,550	▼ $10,500
2023	$286,000	$132,088	—
2022	$251,500	$126,785	—
2021	$201,500	$121,636	—
2020	$193,000	$119,267	—

2025 property taxes (current owner): $4,766/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 2006)

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: ~1,558 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

Jul 13, 2026Active Under Contract$259,900
Jul 7, 2026Price change$259,900−$15,000
Jan 15, 2026Listed$274,900

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

Features

Price$259,900

Price / Sq Ft$145

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,797

Acres0.01 acres

Year Built2006

TypeResidential

Sub-TypeCondominium

StyleTraditional

StatusActive Under Contract

# of Garages1

Has PoolNo

Is WaterfrontYes

55+ CommunityYes

Community Information

Address11895 Surfbird Circle 11A, Jacksonville, FL 32256

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionSweetwater By Del Webb

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size435.6 sq ft

Parcel Number1677570044

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Jogging Path, Management- On Site, Pickleball, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Guest

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit

SecuritySmoke Detector(s)