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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Active·1 day on market

11871 Surfbird Circle 9G

Jacksonville, FL 32256

$240,000$156/sqftEst. $1,235/moMLS# 2160353

Beds

Baths

1,536

Sq Ft

2006

Built

Garage

Pool

About this home

Jacksonville

Welcome to your very popular ground floor (no stairs) end unit Heron model featuring a water view home with multiple water views from your lanai, breakfast nook, primary bedroom and grass area a step outside your lanai. Migrating geese and ducks sometimes drop by for a swim. This condo has a spacious living/dining area, 2 bedrooms, 2 baths and a flex room for an office, or additional guest room, or grand kids play space, or craft room, or your choice for extra space. The single car garage and private driveway are dedicated for use by this condo. The spacious kitchen has upgraded appliances. Both bedrooms have spacious walk-in closets. A washer and dryer are located in a dedicated laundry closet. The neighborhood is the very popular Sweetwater, a 55+ neighborhood - https://www.sweetwaterjax.com/home/ -with a 22,000sf amenity center, plenty of resident activities for fun and fitness and a wonderful place to live and socialize.

Cost to own

Mortgage calculator

Home Price

$240,000

Down Payment: 20%

$48,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,235

Principal & Interest: $1,235

Property taxes (est.): $392

Insurance (est.): $160

Estimated Total Monthly

$1,787

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,235

Property taxesest. at asking price, Duval County$392

HOAbilled monthly$360

Estimated total, before insurance$1,987/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,134/yr · $178/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): $2,134/yr

Estimated taxes if purchased at asking price: ~$4,700/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2006)

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

Sewer & public water · JEA Water/Sewer in complex 2014 data

County records show this parcel on central sewer served by JEA Water/Sewer in complex 2014 data — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,798 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.

History