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

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Active·Listed today

9109 Mountaintop Court

Jacksonville, FL 32225

$394,900$250/sqftEst. $2,041/moMLS# 2163997

Beds

Baths

1,582

Sq Ft

1998

Built

Garage

Pool

About this home

Jacksonville

Welcome to this well-maintained 3-bedroom, 2-bath home offering 1,582 sq. feet of comfortable living space on a beautiful .63-acre lot overlooking a tranquil pond. Freshly painted throughout, this move-in ready home features tile & vinyl flooring w/no carpeting, making maintenance a breeze. The open-concept floor plan seamlessly connects the spacious family room, dining area, & kitchen, creating an inviting space for everyday living and entertaining. The large kitchen offers abundant cabinetry, a breakfast nook, & a breakfast bar overlooking the dining area. Relax in the sizable owner's suite featuring a walk-in closet & an en-suite bath w/walk-in shower. Two additional bedrooms, both w/walk-in closets, share a conveniently located hall bath. Enjoy peaceful pond views from the enclosed lanai, or step outside to the open deck & patio, perfect for family gatherings, cookouts, & outdoor entertaining. A storage shed provides additional space for tools, lawn equipment, or hobbies.

Cost to own

Mortgage calculator

Home Price

$394,900

Down Payment: 20%

$78,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,041

Principal & Interest: $2,041

Property taxes (est.): $645

Insurance (est.): $263

Estimated Total Monthly

$2,949

*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$2,041

Property taxesest. at asking price, Duval County$645

HOAbilled annually$18

Estimated total, before insurance$2,704/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,223/yr · $185/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): $2,223/yr

Estimated taxes if purchased at asking price: ~$7,700/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: Shingle — year not disclosed (home built 1998)

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

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: ~1,749 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$394,900

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

Features

Price$394,900

Price / Sq Ft$250

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,582

Acres0.63 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address9109 Mountaintop Court, Jacksonville, FL 32225

Area042-Ft Caroline

SubdivisionCaroline Ridge

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size27,442.8 sq ft

Parcel Number1128811170

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage

ViewPond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate, Tile, Vinyl

# of Stories1

LevelsOne

LaundryIn Unit

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)