This home is in Sweetwater, Jacksonville.

1 / 39

Active

Active·Listed today·Sweetwater

9185 Rosewater Lane

Jacksonville, FL 32256

$499,000$285/sqftEst. $2,536/moMLS# 2156196

Beds

Baths

1,748

Sq Ft

2006

Built

Garage

Pool

About this home

Sweetwater

Lovely move-in ready 2-bedroom, 2-bath home with a versatile bonus room in the gated 55+ community of Sweetwater by Del Webb. This single-story home features an open-concept floor plan and a peaceful preserve-view home site, offering both comfort and privacy. The spacious kitchen includes 42-inch cabinets, all appliances, and a new refrigerator, with plenty of room for cooking and entertaining. Recent updates include a new roof, new HVAC system, and beautifully renovated bathrooms. Enjoy low-maintenance living in one of Jacksonville's premier active adult communities, complete with exceptional amenities and a convenient location close to shopping, dining, and major roadways.

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,536

Principal & Interest: $2,536

Property taxes (est.): $815

Insurance (est.): $333

Estimated Total Monthly

$3,684

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,536

Property taxesest. at asking price, Duval County$815

HOAbilled monthly$275

Estimated total, before insurance$3,626/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

2025 property taxes (current owner): $4,072/yr

Estimated taxes if purchased at asking price: ~$9,800/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2006)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,671 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

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 22, 2026Active$499,000
Jul 19, 2026Listed$499,000

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

Features

Price$499,000

Price / Sq Ft$285

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,748

Acres0.14 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

55+ CommunityYes

Community Information

Address9185 Rosewater Lane, Jacksonville, FL 32256

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionSweetwater By Del Webb

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size6,098.4 sq ft

Parcel Number1677572830

Amenities

AmenitiesPool, Barbecue, Clubhouse, Fitness Center, Gated, Jogging Path, Management - Full Time, Management- On Site, Pickleball, Spa/Hot Tub, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewProtected Preserve, Trees/Woods