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.

Active

Active·Listed today

5625 Baxter Lake Drive

Jacksonville, FL 32258

$540,000$194/sqftEst. $2,790/moMLS# 2164193

Beds

Baths

2,789

Sq Ft

2001

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautifully renovated 5-bedroom, 3-bath home in the highly desirable Waterford Estates community in Mandarin. Offering approximately 2,789 sq. ft., this home combines a spacious floor plan with modern updates throughout. Step inside to a beautiful new white kitchen featuring granite countertops, complemented by hardwood flooring and a modern fireplace that creates an inviting focal point in the living area. The spacious upstairs 5th bedroom/bonus room includes its own full bathroom and walk-in closet, offering flexibility for guests, a home office, game room, or private suite. The backyard is designed for relaxing and entertaining, featuring a paver patio, fire pit, and dedicated sitting area-a great space to enjoy Florida living year-round. Waterford Estates offers fantastic community amenities including a pool, tennis and pickleball courts, basketball court, playground, and more. Conveniently located near shopping, dining, major highways, and everything Mandarin offer

Cost to own

Mortgage calculator

Home Price

$540,000

Down Payment: 20%

$108,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,790

Principal & Interest: $2,790

Property taxes (est.): $882

Insurance (est.): $360

Estimated Total Monthly

$4,032

*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$2,790

Property taxesest. at asking price, Duval County$882

HOAbilled annually$65

Estimated total, before insurance$3,737/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,930/yr · $328/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): $3,930/yr

Estimated taxes if purchased at asking price: ~$10,600/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 2001)

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

Solar potential: ~1,746 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

Price & status history

Sep 9, 2026Listed$540,000

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

Features

Price$540,000

Price / Sq Ft$194

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,789

Acres0.21 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address5625 Baxter Lake Drive, Jacksonville, FL 32258

Area014-Mandarin

SubdivisionSweetwater Creek South

CityJacksonville

CountyDuval

StateFL

Zip Code32258

Lot Size9,147.6 sq ft

Parcel Number1571482595

Amenities

AmenitiesPool, Basketball Court, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LaundryIn Unit, Lower Level