This home is in Jacksonville.
Active·9 days on market
1033 Whirlaway Circle N
Jacksonville, FL 32218
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
All brick home in Saddlewood! One owner home with remodeled kitchen and open great room with fireplace and dining room. Three bedrooms, two full baths. Garage is converted to 'flex space' and has ducted cooling/heating. Electric fireplace can stay. Garage can also be converted back to two car garage. Outdoor patio has custom build table with gas feature that stays with property. Property lines extend past the backyard fencing. Square footage reflects included flex space in garage with ducted heating and cooling.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 1999)
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: ~1,688 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 homeAs 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $283,207 | $89,059 | — |
| 2024 | $264,073 | $85,842 | — |
| 2023 | $268,698 | $81,886 | ▲ $33,570 |
| 2022 | $226,362 | $78,045 | — |
| 2021 | $191,826 | $74,316 | — |
| 2020 | $180,217 | $72,600 | ▲ $6,373 |
2025 property taxes (current owner): $2,109/yr
Estimated taxes if purchased at asking price: ~$6,500/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
- Oct 1, 2026Price change$329,900−$5,000
- Apr 27, 2026Listed$334,900
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 $181/sq ft; this home is listed at $149/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12750 Dunns View Drive, Jacksonville, FL 32218Listed by EXP REALTY LLC | Oct 2026 | $400,000 | $173 | 4/2 | 2,311 | 9 | 0.6 |
| 1431 Jan Lane, Jacksonville, FL 32218Listed by JWB REALTY LLC | Aug 2026 | $319,900 | $182 | 4/2 | 1,759 | 46 | 0.6 |
| 12736 Chandler View Court, Jacksonville, FL 32218Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $394,900 | $174 | 4/2 | 2,266 | 44 | 0.7 |
| 14122 Summer Breeze Drive E, Jacksonville, FL 32218Listed by ALKO REALTY LLC | Sep 2026 | $390,000 | $184 | 5/2 | 2,119 | 79 | 0.8 |
| 13002 Lanier Road, Jacksonville, FL 32226Listed by ATLANTIC SHORES REALTY OF JACKSONVILLE LLC | Sep 2026 | $405,000 | $181 | 4/2 | 2,232 | 111 | 1 |
| 12761 Daylight Trail, Jacksonville, FL 32218Listed by COASTAL ROOTS REALTY, LLC | Aug 2026 | $315,000 | $167 | 3/2 | 1,887 | 59 | 1.1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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.
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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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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