Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a pool home in Jacksonville.

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Pending

Pending·98 days on market

9092 Spindletree Way

Jacksonville, FL 32256

$472,500$267/sqftEst. $2,437/moMLS# 2143182

Beds

Baths

1,768

Sq Ft

1998

Built

Garage

Yes

Pool

About this home

Jacksonville

Welcome to your private oasis! This beautifully maintained 3-bedroom, 2-bathroom home offers 1,768 square feet of bright, functional living space designed for relaxation and entertaining. Step inside to find an inviting open floor plan featuring a separate dining room perfect for hosting dinner parties. The split-bedroom layout ensures privacy for the large owner's suite, which boasts a spacious walk-in closet. Practicality meets style with a dedicated laundry room and a 2-car garage. The true highlight awaits outdoors. Enjoy the Florida lifestyle in your screened-in, in-ground pool or lounge under the covered patio. The fenced rear yard overlooks a peaceful preserve, offering a serene backdrop. Located in a vibrant community featuring a pool and playground, you'll be just minutes from premier shopping and easy interstate access. This move-in-ready gem perfectly combines comfort, convenience, and a vacation-at-home lifestyle! Take a look today!

Cost to own

Mortgage calculator

Home Price

$472,500

Down Payment: 20%

$94,500

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,437

Principal & Interest: $2,437

Property taxes (est.): $772

Insurance (est.): $315

Estimated Total Monthly

$3,523

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,437

Property taxesest. at asking price, Duval County$772

HOAbilled annually$60

Estimated total, before insurance$3,269/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,255/yr · $688/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

Last sold: $520,000 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$444,696	$444,696	—
2024	$410,000	$410,000	▼ $1,169
2023	$423,700	$423,700	—
2022	$339,041	$219,358	▼ $4,611
2021	$269,534	$211,513	—
2020	$263,469	$207,903	▲ $5,000

2025 property taxes (current owner): $8,255/yr

Estimated taxes if purchased at asking price: ~$9,300/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1998)

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

Solar potential: ~1,642 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

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.