This home is in Jacksonville.
Active·47 days on market
9435 Prosperity Lake Drive
Jacksonville, FL 32244
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Space, flexibility, and a layout that works. This 5-bedroom, 3-bath home near Oakleaf in Watermill offers 2,138 sqft and a floor plan designed for everyday living. The roof was replaced & upgraded with a solar attic fan in 2018, and LVP flooring has been installed throughout the main living areas and two bedrooms. The kitchen features LG stainless steel appliances, a breakfast bar, and center island, and opens directly to the family room with a wood-burning fireplace. The split-bedroom layout provides added privacy, while the primary suite includes a garden tub, separate walk-in shower, and walk-in closet. Upstairs, the fifth bedroom has its own ensuite bath, creating a versatile guest suite, home office, or private retreat. Watermill amenities include a community pool, playground, and tennis courts, with convenient access to Argyle Forest shopping, dining, and I-295. Washer, dryer, mounted 65'' Samsung TV ,ring camera(s) , and WIFI garage opener convey.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2005)
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: ~1,719 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 6 mi · 4.6 mi of trails
Closest public boat ramp
Wayne B Stevens Parkabout 7 mi · Ortega River
Closest kayak & paddleboard launch
Ringhaver Park Kayak Launch (Long Portage!)about 6 mi · Ortega River
Closest youth league fields
Our Community Club Parkabout 3 mi · Baseball, Softball
Closest grocery store
Aldiabout 0.4 mi · 9445 Argyle Forest Blvd., Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,300/yr
Estimated taxes if purchased at asking price: ~$7,000/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.
History
Price & status history
- Oct 13, 2026Price change$355,000−$3,500
- Sep 12, 2026Listed$358,500
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $198/sq ft; this home is listed at $166/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 9487 Staplehurst Court, Jacksonville, FL 32244Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2026 | $450,000 | $211 | 4/2 | 2,137 | 34 | 0.3 |
| 9210 Hawks Point Drive, Jacksonville, FL 32222Listed by MARK SPAIN REAL ESTATE | Oct 2026 | $315,000 | $144 | 5/2 | 2,188 | 40 | 0.5 |
| 9314 Bruntsfield Drive, Jacksonville, FL 32244Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $333,000 | $173 | 3/2 | 1,925 | 46 | 0.5 |
| 9055 Bridgecreek Drive, Jacksonville, FL 32244Listed by ENDLESS SUMMER REALTY | Oct 2026 | $315,000 | $198 | 3/2 | 1,592 | 36 | 0.6 |
| 10119 Dogwood Creek Drive, Jacksonville, FL 32222Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $309,000 | $200 | 3/2 | 1,548 | 53 | 1.1 |
| 7261 Longleaf Branch Drive, Jacksonville, FL 32222Listed by ENTERA REALTY LLC | Oct 2026 | $349,900 | $152 | 4/3 | 2,297 | 90 | 1.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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