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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Pending

Pending·48 days on market·Sweetwater

9288 Rosewater Lane

Jacksonville, FL 32256

$510,000$292/sqftEst. $2,635/moMLS# 2155937

Beds

Baths

1,748

Sq Ft

2008

Built

Garage

Pool

About this home

Sweetwater

Welcome to this beautifully maintained home located on a quiet cul-de-sac in the highly desirable gated 55+ community of Sweetwater by Del Webb. Enjoy peaceful water and wooded views from this move in ready residence, offering the perfect blend of comfort, convenience, and low maintenance living. The thoughtfully designed floor plan is filled with natural light and features skylights installed in 2020, ceiling fans throughout, a spacious primary suite with a walk in closet, and a custom front entry door by Dream Doors. The oversized garage boasts an attractive epoxy coated floor and a garage door opener with an exterior keypad for added convenience. Major system updates provide peace of mind, including a new roof 2022, new HVAC system 2021, and a REME HALO whole home air purification system installed in 2024. The HVAC has been professionally maintained with semiannual service through Buehler Air & Plumbing. Additional value includes a water softener with a service agreement through

Cost to own

Mortgage calculator

Home Price

$510,000

Down Payment: 20%

$102,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,635

Principal & Interest: $2,635

Property taxes (est.): $833

Insurance (est.): $340

Estimated Total Monthly

$3,808

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,635

Property taxesest. at asking price, Duval County$833

HOAbilled monthly$275

Estimated total, before insurance$3,743/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.

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 — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,745 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