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 Sweetwater, Jacksonville — a gated community home in Jacksonville.

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Active Under Contract

Active Under Contract·45 days on market·Sweetwater

9258 Saltwater Way

Jacksonville, FL 32256

$519,000$252/sqftEst. $2,668/moMLS# 2155229

Beds

Baths

2,059

Sq Ft

2006

Built

Garage

Pool

About this home

Sweetwater

Highly sought-after Cypress model in Sweetwater by Del Webb! This beautifully maintained concrete block home is perfectly situated on a private, fenced preserve homesite in Jacksonville's premier gated 55+ active-adult community. Thoughtfully upgraded throughout, it features an exceptional heated and cooled Florida room with professionally integrated HVAC ductwork, creating a seamless extension of the home's living space for year-round enjoyment. Inside, you'll find warm bamboo flooring throughout the main living areas, updated crushed granite countertops, 42-inch maple cabinetry with convenient pull-out shelving, tile backsplash, and newer microwave, dishwasher, and range. Plantation shutters throughout, two solar tubes, and abundant windows fill the home with natural light. The desirable split-bedroom floor plan includes two bedrooms, two full baths, and a versatile office/den with double doors that is ideal for a home office, library, or hobby room.

Cost to own

Mortgage calculator

Home Price

$519,000

Down Payment: 20%

$103,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,668

Principal & Interest: $2,668

Property taxes (est.): $847

Insurance (est.): $346

Estimated Total Monthly

$3,862

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,668

Property taxesest. at asking price, Duval County$847

HOAbilled monthly$275

Estimated total, before insurance$3,791/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,483/yr · $374/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

2025 property taxes (current owner): $4,483/yr

Estimated taxes if purchased at asking price: ~$10,200/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, 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: Shingle — 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: ~1,651 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 20, 2026Active Under Contract$519,000
Jul 14, 2026Listed$519,000

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

Features

Price$519,000

Price / Sq Ft$252

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage2,059

Acres0.17 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

55+ CommunityYes

Direction FacesNorth

Community Information

Address9258 Saltwater Way, Jacksonville, FL 32256

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionSweetwater By Del Webb

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size7,405.2 sq ft

Parcel Number1677572495

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Jogging Path, Pickleball, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Solar Tube(s), Split Bedrooms, Vaulted Ceiling(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingAttic Fan, Central Air, Electric

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup

SecurityGated with Guard