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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Sweetwater, Jacksonville — a gated community home in Jacksonville.

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Sold

Sold·Closed Aug 31, 2026·80 days on market·Recent sales in Sweetwater·Sweetwater

11927 Surfbird Circle 12E

Jacksonville, FL 32256

$275,000sold priceListed at $275,000 · 100% of asking$179/sqftMLS# 2143354
2
Beds
2
Baths
1,536
Sq Ft
2006
Built
1
Garage
No
Pool

12 more homes for sale in Sweetwater →Search Sweetwater on the map

FEMA Zone XHOA $275/moWaterfrontCondominium1 story

About this home

Sweetwater

Experience refined, maintenance free living in sought after Del Webb Sweetwater. Ideally located between the scenic St. Johns River and the beautiful Atlantic Ocean, enjoy effortless access to dining, shopping, golf, and beaches, all just minutes away. This meticulously renovated condo with water view, offers a model like feel with a soft designer palette that enhances abundant natural light. Every detail has been thoughtfully curated, updated flooring, fresh interior paint, and stylish fixtures throughout. The result is a turnkey residence blending comfort and sophistication. Residents enjoy resort style amenities including a clubhouse, pool, fitness center, and a vibrant social calendar. A rare opportunity to embrace elevated living in one of Jacksonville's premier 55+ communities, where every day feels like a retreat.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,523
Property taxesest. at asking price, Duval County$449
HOAbilled monthly$275
Estimated total, before insurance$2,247/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,263/yr · $272/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$275,000
$55,000
Loan Term
Monthly Payment
$1,523
Principal & Interest: $1,523
Property taxes (est.): $449
Insurance (est.): $183
Estimated Total Monthly
$2,156
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: material not specified — 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

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: ~1,795 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.

Cost to own

Taxes & assessment

Last sold: $315,000 in September 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$267,500$173,550▼ $7,500
2024$275,000$146,182▲ $3,000
2023$272,000$145,323—
2022$242,500$122,814—
2021$199,500$117,635—
2020$199,000$115,252—

2025 property taxes (current owner): $3,263/yr

Estimated taxes if purchased at asking price: ~$5,400/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

  • Aug 31, 2026Closed$275,000
  • Jul 24, 2026Active Under Contract$275,000
  • May 5, 2026Listed$275,000

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 $169/sq ft; this home is listed at $179/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
11726 Surfbird Circle, Jacksonville, FL 32256Listed by SOLANO REAL ESTATE LLCOct 2026$295,000$2172/21,361100.1
9831 Del Webb Parkway 1108, Jacksonville, FL 32256Listed by ATLANTIC SHORES REALTY OF JACKSONVILLE LLCSep 2026$249,900$1382/21,810200.1
11852 Surfbird Circle 41G, Jacksonville, FL 32256Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$260,000$1692/21,536710.1
11871 Surfbird Circle 9G, Jacksonville, FL 32256Listed by REGATTA REI, LLCSep 2026$242,000$1582/21,53690.1
11890 Surfbird Circle 42E, Jacksonville, FL 32256Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$250,000$1353/21,8573960.1
8527 Little Swift Circle 34G, Jacksonville, FL 32256Listed by PREMIER HOMES REALTY INCSep 2026$245,000$1702/21,438600.2

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

Price$275,000
Price / Sq Ft$179
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,536
Year Built2006
TypeResidential
Sub-TypeCondominium
StyleFlat
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontYes
55+ CommunityYes

Community Information

Address11927 Surfbird Circle 12E, Jacksonville, FL 32256
Area027-Intracoastal West-South Of Jt Butler Blvd
SubdivisionSweetwater By Del Webb
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Parcel Number1677570084

Amenities

AmenitiesClubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Park, Pickleball, Sauna, Spa/Hot Tub, Tennis Court(s)
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAdditional Parking, Garage
ViewWater
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Split Bedrooms, Walk-In Closet(s)
AppliancesDisposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchCovered, Rear Porch, Screened
Road SurfaceAsphalt

Additional Information

Date ListedMay 5, 2026
Days on Market80
HOA Fees$275 / Monthly
HOA FrequencyMonthly
Tax Amount$3,262.72
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

Sold by: LA ROSA REALTY NORTH FLORIDA, LLC. (buyer's brokerage)

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.

The neighborhood

About Sweetwater

Sweetwater is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.

View all Sweetwater homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 31, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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