This home is in Waterleaf, Jacksonville.

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Active

Active·46 days on market·Waterleaf

970 Mineral Creek Drive

Jacksonville, FL 32225

$459,900$206/sqftEst. $2,345/moMLS# 2150491

Beds

Baths

2,234

Sq Ft

2004

Built

Garage

Pool

About this home

Waterleaf

Welcome to Waterleaf, one of East Arlington's most sought-after communities! This beautifully updated 4-bedroom, 2-bath home offers over 2,200 square feet of flexible living space, including a dedicated home office, formal dining room, spacious guest bedrooms, and an open-concept layout designed for everyday living and entertaining. The bright kitchen flows seamlessly into the living area, while the screened lanai overlooks a private, fully fenced backyard complete with a mature fig tree that produces up to 45 pounds of fresh fruit each year. Waterleaf residents enjoy resort-style amenities including a community pool, clubhouse, playground, basketball and pickleball courts, walking paths, and Waterleaf Elementary. Conveniently located just minutes from Mayport Naval Station, Jacksonville Beaches, St. Johns Town Center, Jacksonville University, shopping, dining, and downtown Jacksonville, this home offers the perfect blend of comfort, convenience, and the Northeast Florida lifestyle.

Cost to own

Mortgage calculator

Home Price

$459,900

Down Payment: 20%

$91,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,345

Principal & Interest: $2,345

Property taxes (est.): $751

Insurance (est.): $307

Estimated Total Monthly

$3,402

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,345

Property taxesest. at asking price, Duval County$751

HOAbilled semi-annually$71

Estimated total, before insurance$3,167/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$362,157	$202,988	—
2024	$350,963	$196,560	▲ $20,000
2023	$343,817	$189,379	—
2022	$326,368	$182,407	—
2021	$242,477	$175,638	—
2020	$235,160	$172,523	—

Estimated taxes if purchased at asking price: ~$9,000/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 2004)

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: ~1,776 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.

History

Price & status history

Jul 26, 2026Price change$459,900−$5,000
Jul 8, 2026Price change$464,900−$5,100
Jun 13, 2026Listed$470,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$459,900

Price / Sq Ft$206

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,234

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryWaterleaf

MiddleLandmark

HighSandalwood

Community Information

Address970 Mineral Creek Drive, Jacksonville, FL 32225

Area042-Ft Caroline

SubdivisionWaterleaf

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Parcel Number162225-1655

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Jogging Path, Maintenance Grounds, Management- On Site, Park, Pickleball, Playground, Security

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage