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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·65 days on market

9729 Gaynor Circle

Jacksonville, FL 32219

$372,000$162/sqftEst. $2,061/moMLS# 2158378
↓ $8,000 below original list
4
Beds
3
Baths
2,297
Sq Ft
2024
Built
3
Garage
No
Pool
FEMA Zone XHOA $88/mo16,553 sqft lotWaterfrontSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

NEW IMPROVED PRICE AND OPEN HOUSE FRIDAY 10/9 FROM 4:30 - 7:00PM!! MOTIVATED SELLER!! 4BR/3BA Lennar Tivoli home on a pond in Saddle Oaks, Jacksonville. Built in 2024 with 2,297 sq ft, guest suite and 3-car garage. Built in 2024, this original Lennar Tivoli floor plan is located on a pond in Jacksonville's Saddle Oaks neighborhood. The home offers 4 bedrooms, 3 full bathrooms, 2,297 square feet, a 3-car garage, and a 0.38-acre lot, providing a blank slate for a new owner to personalize. Ceramic tile runs throughout the main living areas, while all four bedrooms feature carpet. One secondary bedroom is arranged as a guest suite, offering additional privacy and convenient access to a full bathroom. The primary suite includes a private bathroom with a separate shower and tub. The remaining bedrooms and living spaces provide flexibility for sleeping, working, hobbies, or additional storage. The 3-car garage provides room for vehicles, tools, recreational equipment, or household storage.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,061
Property taxesest. at asking price, Duval County$607
HOAbilled quarterly$88
Estimated total, before insurance$2,756/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,919/yr · $410/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$372,000
$74,400
Loan Term
Monthly Payment
$2,061
Principal & Interest: $2,061
Property taxes (est.): $607
Insurance (est.): $248
Estimated Total Monthly
$2,916
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2024)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,649 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 August 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,919/yr

Estimated taxes if purchased at asking price: ~$7,300/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.

History

Price & status history

  • Oct 9, 2026Price change$372,000−$1,000
  • Sep 26, 2026Price change$373,000−$1,000
  • Sep 16, 2026Price change$374,000−$1,000
  • Sep 1, 2026Price change$375,000−$5,000
  • Aug 7, 2026Active$380,000
  • Jul 31, 2026Listed$380,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $182/sq ft; this home is listed at $162/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7353 Everett Forest Drive, Jacksonville, FL 32218Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$326,990$1804/21,817820.2
7386 Everett Forest Drive, Jacksonville, FL 32219Listed by MERITAGE HOMES OF FLORIDA REALTYAug 2026$335,000$1824/31,842570.2
7325 Everett Forest Drive, Jacksonville, FL 32219Listed by MERITAGE HOMES OF FLORIDA REALTYOct 2026$353,990$1614/32,193150.3
9314 Java Fern Court, Jacksonville, FL 32219Listed by MORGAN PROPERTY MANAGEMENTOct 2026$265,000$1454/21,823550.3
9418 Ella Point Drive, Jacksonville, FL 32219Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$320,990$1884/21,706490.3
9450 Ella Point Drive, Jacksonville, FL 32219Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$313,990$1844/21,706620.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$372,000
Price / Sq Ft$162
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,297
Total Structure Area3,059 sq ft
Acres0.38 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes

School Information

ElementaryDinsmore
MiddleHighlands
HighJean Ribault

Community Information

Address9729 Gaynor Circle, Jacksonville, FL 32219
Area081-Marietta/Whitehouse/Baldwin/Garden St
SubdivisionSaddle Oaks
CityJacksonville
CountyDuval
StateFL
Zip Code32219
Lot Size16,552.8 sq ft
Parcel Number0034470470

Amenities

AmenitiesPool, Dog Park, Playground
Community FeaturesSidewalks, Suburban, Street Lights, Curbs
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Porch, Screened
RoofShingle
ConstructionComposition Siding, Frame, Wood Siding
Road SurfaceAsphalt, Paved
Road FrontageCity Street

Additional Information

Date ListedAugust 7, 2026
Days on Market64
HOA Fees$265 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesInternet
Tax Amount$4,919.35
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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