This home is in Jacksonville.

1 / 44

Active Under Contract

Active Under Contract·104 days on market

9517 Adelaide Drive

Jacksonville, FL 32244

$399,900$163/sqftEst. $2,039/moMLS# 2139790

Beds

Baths

2,446

Sq Ft

2006

Built

Garage

Pool

About this home

Jacksonville

Welcome home. This 4BR'3BA with excellent curb appeal, offers quiet serene pond views from the FR, kitchen, & MBR. Enjoy peaceful evenings on your screened lanai overlooking the pond. All rooms are spacious, neutral & bright. The FR, Kitchen and Breakfast nook is very open. Lighting and ceiling fans are modern. Kitchen features Granite Counters & Stainless appliances. There is custom tile work in the baths. Lani has tiled floor. 20 years this home has been the owner's winter refuge, used several months annually. Roof 2023, Garage door 2022, HVAC, 2020 Watermill amenities include: A junior Olympic pool, children's water park, playground, & various sports courts (basketball, volleyball, tennis). If you like to shop the Town Center is a mile away. You will be close to schools, shopping, major highways, Naval Air Station Jacksonville (NAS Jax), Cecil Commerce Center & downtown Jax is a short commute. This home is a must see Washer & Dryer convey. Furnishings are negotiable.

Cost to own

Mortgage calculator

Home Price

$399,900

Down Payment: 20%

$79,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,039

Principal & Interest: $2,039

Property taxes (est.): $653

Insurance (est.): $267

Estimated Total Monthly

$2,959

*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$2,039

Property taxesest. at asking price, Duval County$653

HOAbilled annually$50

Estimated total, before insurance$2,742/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,749/yr · $479/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	$325,119	$323,428	—
2024	$300,653	$294,026	▲ $13,662
2023	$320,825	$267,297	—
2022	$308,603	$242,998	—
2021	$225,088	$220,908	—
2020	$200,826	$107,573	—

2025 property taxes (current owner): $5,749/yr

Estimated taxes if purchased at asking price: ~$7,800/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — 2023 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: ~1,761 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

Jul 18, 2026Active Under Contract$399,900
Apr 13, 2026Listed$399,900

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

Features

Price$399,900

Price / Sq Ft$163

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,446

Total Structure Area3,083 sq ft

Acres0.28 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

ElementaryEnterprise

MiddleWestside

HighWestside High School

Community Information

Address9517 Adelaide Drive, Jacksonville, FL 32244

Area067-Collins Rd/Argyle/Oakleaf Plantation (Duval)

SubdivisionWatermill

CityJacksonville

CountyDuval

StateFL

Zip Code32244

Lot Size12,196.8 sq ft

Lot Dimensions100X175x175x46

Parcel Number0164309610

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Management - Full Time, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, His and Hers Closets, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)