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 Jacksonville — a waterfront home in Jacksonville.

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9156 Spindletree Way

Jacksonville, FL 32256

$475,000$218/sqftEst. $2,450/moMLS# 2159211

Beds

Baths

2,176

Sq Ft

1997

Built

Garage

Pool

About this home

Jacksonville

Welcome to 9156 Spindletree Way! 🌳 Tucked beneath beautiful mature trees in an established neighborhood, this inviting home offers the perfect blend of comfort, charm, and peaceful surroundings. Step into the backyard and you'll find one of the home's best features--a tranquil retention pond creating a beautiful natural backdrop for morning coffee, evening unwinding, or simply enjoying a little extra scenery and privacy. With lush landscaping, a spacious setting, and a location that feels tucked away while still keeping you close to everything, this home is ready for its next chapter. BONUS: Seller is offering a $10,000 credit with an acceptable offer! Come see why 9156 Spindletree Way just might feel like home. 🏡✨

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,450

Principal & Interest: $2,450

Property taxes (est.): $776

Insurance (est.): $317

Estimated Total Monthly

$3,542

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,450

Property taxesest. at asking price, Duval County$776

HOAbilled annually$52

Estimated total, before insurance$3,277/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,086/yr · $340/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): $4,086/yr

Estimated taxes if purchased at asking price: ~$9,300/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.

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 1997)

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

Solar potential: ~1,624 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