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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.

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Active

Active·15 days on market·Sweetwater

2538 Sadler Trace Way

Jacksonville, FL 32210

$205,900$147/sqftEst. $1,140/moMLS# 2165774
3
Beds
2.5
Baths
1,404
Sq Ft
2024
Built
1
Garage
No
Pool

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

FEMA Zone XHOA $130/mo1,742 sqft lotTownhouse2 stories

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About this home

Sweetwater

Newer construction, beautifully renovated two story townhome ready for new owner. FHA offers not accepted until 11.15.26 Spacious kitchen with luna pearl granite countertops and truffle cabinet. Frost white quartz in restrooms and walk-in shower in Master's suite. Upstairs laundry for convenience and covered lanai. Upstairs laundry for convenience. WIFI-enabled garage opener and Ecobee thermostat. Washer and dryer convey as-is.

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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 · 7.4% · 30yr$1,140
Property taxesest. at asking price, Duval County$336
HOAbilled monthly$130
Estimated total, before insurance$1,607/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,538/yr · $295/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

$205,900
$41,180
Loan Term
Monthly Payment
$1,140
Principal & Interest: $1,140
Property taxes (est.): $336
Insurance (est.): $137
Estimated Total Monthly
$1,614
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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: Shingle — year not disclosed (home built 2024)

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

Solar potential: ~1,604 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 October 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 and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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): $3,538/yr

Estimated taxes if purchased at asking price: ~$4,000/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 2, 2026Active$205,900
  • Sep 21, 2026Listed$205,900

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 $99/sq ft; this home is listed at $147/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3620 Kirkpatrick Circle 1, Jacksonville, FL 32210Listed by MAXREV, LLCAug 2026$113,000$983/21,157430.4
3711 Kirkpatrick Circle 16-15, Jacksonville, FL 32210Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC.Jul 2026$115,000$993/21,1571180.4
6865 Misty View Drive, Jacksonville, FL 32210Listed by VENTURE DEVELOPMENT REALTYSep 2026$160,000$1142/2.51,40500.5
2551 Summit View Drive, Jacksonville, FL 32210Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAAug 2026$176,000$1063/2.51,664680.5
4333 Melissa Court W, Jacksonville, FL 32210Listed by PLENTI REALTY LLCJul 2026$78,571$672/21,17041
7668 Melissa Court N, Jacksonville, FL 32210Listed by PLENTI REALTY LLCJul 2026$78,571$762/21,031281.1

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$205,900
Price / Sq Ft$147
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,404
Acres0.04 acres
Year Built2024
TypeResidential
Sub-TypeTownhouse
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address2538 Sadler Trace Way, Jacksonville, FL 32210
Area053-Hyde Grove Area
SubdivisionSweetwater Park
CityJacksonville
CountyDuval
StateFL
Zip Code32210
Lot Size1,742.4 sq ft
Parcel Number0123990170

Amenities

UtilitiesCable Available, Sewer Connected, Water Available
Water SourcePublic
ParkingAttached, Covered, Garage, On Street

Interior

AppliancesDishwasher, Electric Cooktop, Electric Range, Electric Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LaundryUpper Level

Exterior

RoofShingle
Road FrontageCity Street

Additional Information

Date ListedOctober 2, 2026
Days on Market0
HOA Fees$130 / Monthly
HOA FrequencyMonthly
Tax Amount$3,537.9
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WHOLESALE REALTY LLC

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 32210.

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

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