This home is in Sweetwater Creek, Jacksonville.

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Active

Active·1 day on market·Sweetwater Creek

5628 Crest Creek Drive

Jacksonville, FL 32258

$485,000$214/sqftEst. $2,473/moMLS# 2156235

Beds

Baths

2,268

Sq Ft

2000

Built

Garage

Pool

About this home

Sweetwater Creek

Discover the perfect blend of space, comfort, and functionality in this beautifully updated 4-bedroom plus den, 3-bathroom home tucked away on a quiet cul-de-sac in the desirable Sweetwater Creek South community. Major updates provide peace of mind, including a freshly painted interior, new roof (2021), HVAC system (2022), remodeled kitchen with new cabinetry and countertops (2022), all kitchen appliances replaced in 2021 with the range updated in 2024, and updated flooring throughout the home. An open floor plan, soaring vaulted ceilings, and luxury vinyl plank flooring throughout the main living areas create a bright, inviting atmosphere, while the living room is enhanced by a cozy fireplace and custom built-in features that add warmth and character.

Cost to own

Mortgage calculator

Home Price

$485,000

Down Payment: 20%

$97,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,473

Principal & Interest: $2,473

Property taxes (est.): $792

Insurance (est.): $323

Estimated Total Monthly

$3,588

*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$2,473

Property taxesest. at asking price, Duval County$792

HOAbilled annually$37

Estimated total, before insurance$3,302/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,029/yr · $586/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): $7,029/yr

Estimated taxes if purchased at asking price: ~$9,500/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2021 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: ~1,682 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 24, 2026Active$485,000
Jul 20, 2026Listed$485,000

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

Features

Price$485,000

Price / Sq Ft$214

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,268

Acres0.26 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryGreenland Pines

MiddleTwin Lakes Academy

HighMandarin

Community Information

Address5628 Crest Creek Drive, Jacksonville, FL 32258

Area014-Mandarin

SubdivisionSweetwater Creek

CityJacksonville

CountyDuval

StateFL

Zip Code32258

Lot Size11,325.6 sq ft

Parcel Number1571800330

Amenities

AmenitiesPool, Basketball Court, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

SecuritySmoke Detector(s)