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 Sweetwater, Jacksonville — a gated community home in Jacksonville.

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Active

Active·Listed today·Sweetwater

8731 Little Swift Circle 23C

Jacksonville, FL 32256

$249,900$174/sqftEst. $1,291/moMLS# 2163936

Beds

Baths

1,438

Sq Ft

2011

Built

Garage

Pool

About this home

Sweetwater

Great first floor unit (no stairs) with private back yard. Home has two bedrooms, an office or den, a breakfast nook and 2 full baths. Home has new paint everywhere (including ceilings), new LVT flooring, new closet system in primary closet, shark coating in garage, screened-in back patio, and almost all LED lighting. No pet home. Sweetwater is gated. The community has a beautiful clubhouse with an outdoor resort style pool, an indoor heated lap pool, pool tables, great fitness center, locker rooms, a library, card rooms, walking paths and tennis and pickleball courts. The community has numerous clubs and fitness classes. Sweetwater is a 55+ community. Two pet limit and 12 month minimum lease required. Owner is a licensed Florida Realtor.

Cost to own

Mortgage calculator

Home Price

$249,900

Down Payment: 20%

$49,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,291

Principal & Interest: $1,291

Property taxes (est.): $408

Insurance (est.): $167

Estimated Total Monthly

$1,866

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,291

Property taxesest. at asking price, Duval County$408

HOAbilled monthly$275

Estimated total, before insurance$1,974/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,814/yr · $235/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): $2,814/yr

Estimated taxes if purchased at asking price: ~$4,900/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: Shingle — year not disclosed (home built 2011)

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: ~1,728 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 September 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

Sep 8, 2026Listed$249,900

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

Features

Price$249,900

Price / Sq Ft$174

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,438

Year Built2011

TypeResidential

Sub-TypeCondominium

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

55+ CommunityYes

Direction FacesWest

School Information

ElementaryTwin Lakes Academy

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address8731 Little Swift Circle 23C, Jacksonville, FL 32256

Area027-Intracoastal West-South Of Jt Butler Blvd

SubdivisionSweetwater By Del Webb

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Parcel Number1677570444

ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Cable TV, Clubhouse, Fitness Center, Gated, Management - Part Time, Park, Pickleball, Security, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Security24 Hour Security, Security Gate