This home is in Sweetwater, Jacksonville.

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Active

Active·73 days on market·Sweetwater

11927 Surfbird Circle 12E

Jacksonville, FL 32256

$275,000$179/sqftEst. $1,464/moMLS# 2143354

Beds

Baths

1,536

Sq Ft

2006

Built

Garage

Pool

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

Mortgage calculator

Home Price

$275,000

Down Payment: 20%

$55,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,398

Principal & Interest: $1,398

Est. Taxes & Insurance: $349

Estimated Total Monthly

$1,747

*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$1,464

Property taxesest. at asking price, Duval County$449

HOAbilled monthly$275

Estimated total, before insurance$2,188/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

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

Year	Market value	Taxable value	Change
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.

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

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