This home is in Sweetwater, Jacksonville — a gated community home in Jacksonville.
Active Under Contract·118 days on market·Sweetwater
11927 Surfbird Circle 12E
Jacksonville, FL 32256
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
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).
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 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.
History
Price & status history
- 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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Sweetwater
Sweetwater is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.
View all Sweetwater homes for sale →Listing Courtesy of: KELLER WILLIAMS ST JOHNS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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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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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines