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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Active

$274,9003 bd · 2 ba · 1,857 sq ft

Active·47 days on market·Sweetwater

8686 Little Swift Circle

Jacksonville, FL 32256

$274,900$148/sqftEst. $1,499/mo mortgageMLS# 2164697
↓ $10,000 below original list
3
Beds
2
Baths
1,857
Sq Ft
2008
Built
1
Garage
No
Pool

11 more homes for sale in Sweetwater →Search Sweetwater on the map

FEMA Zone XHOA $275/moWaterfrontCondominium1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Sweetwater

Enjoy an elevated pond view--and the privacy of no neighbors above--from this spacious 1,857-sq-ft Cormorant, the largest Tides floor plan in Sweetwater by Del Webb. This upper-level 3BR/2BA condo offers vaulted ceilings and comfortable one-level living once upstairs. The bright great room opens to a generous kitchen with quartz counters, upgraded cabinetry, stainless appliances, pantry and breakfast bar, plus space where many owners choose to add a center island. A large separate dining room offers plenty of room for everyday meals and entertaining. The private primary suite features a large walk-in closet, dual sinks and an oversized walk-in shower with frameless glass. Two additional bedrooms provide comfortable space for guests, an office or hobbies. Step onto the screened lanai to relax overlooking the pond, then leave the yard work behind and enjoy the active Sweetwater lifestyle.

Next steps in Sweetwater

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$1,499
Property taxesest. at asking price, Duval County$449
HOAbilled monthly$275
Estimated total, before insurance$2,223/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$274,900
$54,980
Loan Term
Monthly Payment
$1,499
Principal & Interest: $1,499
Property taxes (est.): $449
Insurance (est.): $183
Estimated Total Monthly
$2,131
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 2008)

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: ~1,751 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

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.

History

Price & status history

  • Sep 30, 2026Price change$274,900−$10,000
  • Sep 14, 2026Listed$284,900

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 $169/sq ft; this home is listed at $148/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
8711 Little Swift Circle 24C, Jacksonville, FL 32256Listed by EXP REALTY LLCOct 2026$250,000$1742/21,4383650.1
8601 Little Swift Circle 30-F, Jacksonville, FL 32256Listed by ERA ONETEAM REALTYOct 2026$224,000$1562/21,438170.1
11852 Surfbird Circle 41G, Jacksonville, FL 32256Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$260,000$1692/21,536710.1
11871 Surfbird Circle 9G, Jacksonville, FL 32256Listed by REGATTA REI, LLCSep 2026$242,000$1582/21,53690.1
8527 Little Swift Circle 34G, Jacksonville, FL 32256Listed by PREMIER HOMES REALTY INCSep 2026$245,000$1702/21,438600.1
11890 Surfbird Circle 42E, Jacksonville, FL 32256Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$250,000$1353/21,8573960.1

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

Price$274,900
Price / Sq Ft$148
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,857
Total Structure Area2,274 sq ft
Year Built2008
TypeResidential
Sub-TypeCondominium
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontYes
55+ CommunityYes
Direction FacesEast

School Information

Community Information

Address8686 Little Swift Circle, Jacksonville, FL 32256
Area027-Intracoastal West-South Of Jt Butler Blvd
SubdivisionSweetwater By Del Webb
CityJacksonville
CountyDuval
StateFL
Zip Code32256
Parcel Number1677570376
ZoningResidential

Amenities

AmenitiesPool, Barbecue, Clubhouse, Fitness Center, Gated, Management - Full Time, Management- On Site, Park, Pickleball, Spa/Hot Tub, Tennis Court(s), Trash
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPrivate Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond, Water
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecurityFire Sprinkler System, Security Gate
Spa FeaturesIn Ground, Community

Exterior

Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Screened
ConstructionBlock, Concrete
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 14, 2026
Days on Market47
HOA Fees$275 / Monthly
HOA FrequencyMonthly
HOA NameSweetwater by Del Webb
Listing TermsCash, Conventional
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

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.

The neighborhood

About Sweetwater

Sweetwater is a neighborhood in Jacksonville, FL (Duval County), ZIP 32256.

View all Sweetwater homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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