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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 Waverly Place, Jacksonville — a pool home in Jacksonville.

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Active Under Contract

$1,287,500Active Under Contract5 bd · 5 ba · 4,057 sq ft

Active Under Contract·45 days on market·Waverly Place

2597 Scott Mill Lane

Jacksonville, FL 32223

$1,287,500$317/sqftEst. $7,019/mo mortgageMLS# 2165009
↓ $62,500 below original list
5
Beds
5
Baths
4,057
Sq Ft
1994
Built
2
Garage
Yes
Pool

All Waverly Place homes for sale →Search Waverly Place on the map

FEMA Zone XHOA $77/mo16,117 sqft lotSingle Family Residence2 stories

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About this home

Waverly Place

Welcome to refined Florida living in this beautifully upgraded Mandarin residence, where timeless style meets exceptional comfort and entertaining. A grand circular driveway welcomes you to this impressive 5-bedroom, 5-bath home with approximately 4057 square feet of thoughtfully designed living space. Inside, custom details and quality finishes are showcased throughout. The kitchen features custom cabinetry and granite countertops, complemented by an elegant butler's pantry with quartz counters. All bathrooms have been tastefully upgraded, including granite and quartz finishes, with the upstairs bath featuring upgraded flooring. Plantation shutters, a central vacuum system, three AC units with smart Honeywell thermostats, and a Rinnai tankless water heater add comfort and convenience.

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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$7,019
Property taxesest. at asking price, Duval County$2,102
HOAbilled annually$77
Estimated total, before insurance$9,199/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,268/yr · $689/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,287,500
$257,500
Loan Term
Monthly Payment
$7,019
Principal & Interest: $7,019
Property taxes (est.): $2,102
Insurance (est.): $858
Estimated Total Monthly
$9,980
*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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1994)

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: ~1,735 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $8,268/yr

Estimated taxes if purchased at asking price: ~$25,200/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 18, 2026Active Under Contract$1,287,500
  • Sep 30, 2026Price change$1,287,500−$62,500
  • Sep 16, 2026Listed$1,350,000

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 $274/sq ft; this home is listed at $317/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
10743 Waverly Bluff Way, Jacksonville, FL 32223Listed by PREMIER HOMES REALTY INCApr 2026$1,275,000$2745/4.54,6604630
2587 Spreading Oaks Lane, Jacksonville, FL 32223Listed by ONE SOTHEBY'S INTERNATIONAL REALTYAug 2026$663,000$2254/32,945110.2
2553 Spreading Oaks Lane, Jacksonville, FL 32223Listed by ONE SOTHEBY'S INTERNATIONAL REALTYMay 2026$1,075,000$3104/4.53,470130.2
2676 Scott Mill, Jacksonville, FL 32223Listed by RE/MAX SPECIALISTS PVMay 2026$1,096,000$2665/44,116120.2
2718 Claire Lane, Jacksonville, FL 32223Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$980,000$2894/43,38830.4
2818 Claire Lane, Jacksonville, FL 32223Listed by WATSON REALTY CORPMay 2026$524,480$1824/3.52,876130.5

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$1,287,500
Price / Sq Ft$317
Bedrooms5
Bathrooms5.00
Full Baths5
Square Footage4,057
Acres0.37 acres
Year Built1994
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive Under Contract
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Electric Heat, Gas Heat, Heated, Salt Water
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address2597 Scott Mill Lane, Jacksonville, FL 32223
Area014-Mandarin
SubdivisionWaverly Place
CityJacksonville
CountyDuval
StateFL
Zip Code32223
Lot Size16,117.2 sq ft
Parcel Number1560377125

Amenities

Community FeaturesSidewalks, Street Lights
UtilitiesCable Connected, Electricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingCircular Driveway, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs
AppliancesDishwasher, Disposal, Gas Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater
HeatingCentral, Electric
CoolingCentral Air
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Sink, Washer Hookup
SecuritySmoke Detector(s)
Spa FeaturesIn Ground, Heated

Exterior

Exterior FeaturesFire Pit
Patio / PorchCovered, Front Porch, Screened
FencingBack Yard, Full, Wood
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 16, 2026
Days on Market45
HOA Fees$925 / Annually
HOA FrequencyAnnually
HOA Fee IncludesOther
Tax Amount$8,268.11
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

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 Waverly Place

Waverly Place is a neighborhood in Jacksonville, FL (Duval County), ZIP 32223.

View all Waverly Place homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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