2 bedroom Condominium at 11852 SURFBIRD Circle #41G, Sweetwater By Del Webb, Jacksonville — photo 1Front elevation
2 bedroom Condominium at 11852 SURFBIRD Circle #41G, Sweetwater By Del Webb, Jacksonville — photo 2Living space
2 bedroom Condominium at 11852 SURFBIRD Circle #41G, Sweetwater By Del Webb, Jacksonville — photo 3Kitchen
2 bedroom Condominium at 11852 SURFBIRD Circle #41G, Sweetwater By Del Webb, Jacksonville — photo 4Owner's suite
2 bedroom Condominium at 11852 SURFBIRD Circle #41G, Sweetwater By Del Webb, Jacksonville — photo 5Exterior / yardView all 66 photos →
46 days on market Condominium ▼ Price cut: $10,000 (8/7)
$285,000
2-Bedroom Condo in Sweetwater By Del Webb

11852 SURFBIRD Circle #41G, Jacksonville, FL 32256

Condominium in Sweetwater By Del Webb, Jacksonville
Sweetwater By Del Webb · Jacksonville, FL 32256 · Duval
Listing data updated August 10, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
1,536Sq Ft
2006Year Built
$186Per Sq Ft
1-car garageFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
15% below
$/sq ft vs community
$186 here vs $218 median sold (12 mo)
Buyer leverage
Strong seller market
46 days on market
1.7 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~33 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 4 of 12
Price vs recent sales
Asking $285k tops 4 of the last 12 closed sales

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights
  • CDD assessment ~$2,100/yr
  • Built 2006 · 20 yrs
  • 1,536 sq ft of living area
  • 1-car garage
  • Listed at $285,000 — recent neighborhood median sale price ~$370,000 (nearby sales; deemed reliable, not an appraisal)
  • 46 days on market
  • HOA ~$50/mo (estimate; confirm)
School district: HOA County Duval County Florida Schools Duval County Public SchoolsCommunity built 2005–2015Maple Street Biscuit Company · 11 min drivePoint Meadows West · 11 min driveDutch Bros Coffee · 11 min drive
Momentum Research · Sweetwater By Del Webb

Pricing & the Sweetwater By Del Webb market

How this home is priced against recent nearby sales, and where Sweetwater By Del Webb has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales8699 LITTLE SWIFT Circle…8699 LITTLE SWIFT Circle #25G: $143/sq ft$143This homeThis home: $186/sq ft$18611772 SURFBIRD Circle #1…11772 SURFBIRD Circle #18A: $207/sq ft$20711804 SURFBIRD Circle11804 SURFBIRD Circle: $224/sq ft$2249092 SWEET TREE Trail9092 SWEET TREE Trail: $247/sq ft$2479122 HONEYBEE Lane9122 HONEYBEE Lane: $254/sq ft$25411345 SUGAR LOAF Court11345 SUGAR LOAF Court: $288/sq ft$288Community median $218

Price vs. size in Sweetwater By Del Webb

Each dot is a closed sale since 2008 (729 total). This home is the gold marker.

$114k$381k$648k1,2802,0402,799This home: $285,000, 1,536 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). realMLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2012–2026. This home lists at $186/sq ft.

$111$184$2582012: $12720122013: $1332014: $12520142015: $1462016: $16220162017: $1582018: $17220182019: $1742020: $15620202021: $1672022: $19620222023: $2402024: $24420242025: $2422026: $2182026

Median sale price by year

12-month median closed price, 2012–2026.

$176k$326k$477k2012: $205k20122013: $215k2014: $218k20142015: $244k2016: $266k20162017: $262k2018: $316k20182019: $284k2020: $270k20202021: $315k2022: $380k20222023: $448k2024: $445k20242025: $435k2026: $370k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 30 (cold).

1557992013: 3120132014: 232015: 4820152016: 672017: 3320172018: 542019: 4320192020: 402021: 8320212022: 912023: 7220232024: 462025: 3920252026: 302026
Property timeline

This home’s history

  • 2006BuiltPer public record
  • Jul 2, 2026First trackedObserved at $295,000
  • Aug 7, 2026Price cut$285,000
  • NowActiveCurrently for sale

Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Financing

Estimated monthly payment

$2,055/mo
  • Principal & interest $1,444/mo 70%
  • Taxes $271/mo 13%
  • Insurance $115/mo 6%
  • HOA $50/mo 2%
  • CDD $175/mo 9%

$2,055/mo at 20% down, 30-yr @ 6.52% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Based on certified county tax roll
Estimated property taxes after purchase
$4,200/yr
$350/mo·effective rate ~1.47%
Estimated from today’s asking price and current Duval County tax rates.
⚠️

Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.

Current owner pays $2,650/yr ($221/mo)
+$1,550 more each year
(+58%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$118,691
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$267,500
Market value
$199,531
Assessed
$148,809
Taxable
Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.

Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.

Momentum Scores

Momentum Property Score

68/100
Strongest on: Flood safety (95), Affordability (88)
0 limited50100 exceptional

68/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area87
This home $186/sq ft vs the community 12-month median $218/sq ft.
Affordability88
List price $285,000 vs the community median $370,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~33 ft elevation. Verify the parcel with FEMA.
Insurance cost73
From FEMA Zone X and a 2006 build. Obtain a property-specific quote.
Market liquidity66
Community median 60 days on market, ~1.7 months of supply (12-month record).
Renovation upside42
From a 2006 build and $186/sq ft vs the community median $218/sq ft. Not a condition assessment.
Buyer competition22
78% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power65
Recent sales closed at about 95.0% of original asking (~5.0% below). More room below asking generally favors buyers.
Market timing70
Momentum Market Heat is 30/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟠 Seller-leaning conditions around this listing. 1.7 months of supply in the surrounding market and 46 days on market for this home, against a 60-day area median.Days on market:this home 46Area median:  60 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of August 5, 2026.

🟡 Asking $186 per square foot, about 15% below the community’s $218 median. Sweetwater By Del Webb’s 12-month median sold price per square foot is $218. Median sold price per square foot is down 14.9% year over year. Confidence: Very High · 43 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

90% of homes in Sweetwater By Del Webb are owner-occupied. An estimated 10% are non-owner-occupied, including 13% held in a company or trust and 2% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 409 homes matched. Community-level context.

Recent Sweetwater By Del Webb sales closed near 95.0% of original asking. Cash paid for about 78% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending August 5, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 6 active listings in Sweetwater By Del Webb.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated August 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Move-in-ready CORNER-UNIT Egret floor plan in Sweetwater by Del Webb, a gated 55+ active-adult community in Jacksonville, Florida. This single-level, first-floor condominium offers 2 bedrooms plus a den, 2 full baths, and 1,536 square feet with no stairs to climb. Wood floors, a custom glass entry door, and a split-bedroom layout open to an eat-in kitchen with Corian countertops, tile backsplash, 42-inch wood cabinets, and a breakfast bar.

The primary suite features double vanities, a walk-in closet, and a walk-in shower. Relax on the screened lanai overlooking a private wooded preserve with no rear neighbors. Attached one-car garage with overhead storage.

Sweetwater's resort amenities include the Summerland Hall clubhouse, fitness center, beach-entry outdoor pool, indoor lap pool, spa, tennis, and pickleball, with grounds maintenance, insurance, and gated security included. Minutes from St. Johns Town Center, Mayo Clinic, and JTB.

Effortless, low-maintenance Florida living. Single-level, low-maintenance living anchors this beautifully maintained corner-unit Egret floor plan in Sweetwater by Del Webb, a gated 55+ active-adult community in Jacksonville, Florida. Set on the first floor with no stairs to climb, this 2-bedroom-plus-den, 2-bath condominium delivers 1,536 square feet of bright, open living built for easy Florida retirement.

As an end unit, it enjoys extra windows, added natural light, and only one shared wall. A custom glass entry door opens to a foyer with rich wood flooring that carries through the main living areas. The split-bedroom layout places the eat-in kitchen at the heart of the home, finished with Corian countertops, a tile backsplash, 42-inch wood cabinets, a breakfast bar, and a pantry, plus a full appliance package: a smooth-top electric range, built-in microwave, dishwasher, and ice-maker refrigerator.

The washer and dryer convey. A separate den offers flexible space for a home office, hobby room, or guest overflow. The private primary suite offers a walk-in closet and an en-suite bath with double vanities and a separate walk-in shower.

A second bedroom and full guest bath sit on the opposite side of the home, giving visitors their own privacy. Energy-efficient windows, a heat pump, and central air keep the home comfortable and efficient year-round. Step out to the screened lanai and enjoy your morning coffee overlooking a private wooded preserve with no rear neighbors, just quiet Florida greenery.

The attached one-car garage features a newer door opener and springs plus overhead storage racks, and additional guest parking sits directly across the street in front of the unit. Living in Sweetwater by Del Webb means resort-style amenities minutes from your door. The Summerland Hall clubhouse anchors it all with a beach-entry outdoor pool, an indoor lap pool, a spa and hot tub, a fitness center, tennis and pickleball courts, bocce, and a billiards room, all professionally managed full time.

The association also covers grounds maintenance, building insurance, and gated security, making this a true lock-and-leave lifestyle. Ideally located in the Intracoastal West corridor off J. Turner Butler Boulevard (JTB), the community puts you minutes from St.

Johns Town Center's shopping and dining, Mayo Clinic, and quick I-295 and I-95 access, with Jacksonville's beaches a short drive east. This is effortless, amenity-rich Florida living in one of Jacksonville's most established 55+ communities, Sweetwater by Del Webb.

Description provided by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST and reproduced from the MLS; not independently verified.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$285,000
Bed / bath2 / 2
Living area1,536 sq ft
Year built2006
Property typeCondominium
Garage1-car
MLS #2152408
Listing status46 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~33 ft
Windstorm exposureModerate
CountyDuval
Area listings6 active · 10 under contract
Estimated first-year tax~$3,249/yr
CDD assessment~$2,100/yr
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$186
Estimated monthly payment$2,055
Insurance (illustrative)$1k–$2k/yr
Messtimate range$317,952 – $390,144
Comparable-sales median$370,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$317,952the mess$390,144

Actual list price: $285,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 23% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 46 days on market vs. a 60-day community median
  • 6 active listings competing, 9 under contract
  • 1.7 months of supply
  • 42 closed here in the last 12 months

For reference, this home is listed at $285,000 ($186/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,536 sq ft × $207–$254/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 10, 2026.

Keep looking

Similar homes for sale near Sweetwater By Del Webb

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $285,000Momentum Realty · on market 46 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$3,249/yr

A rough first-year estimate only, applying a typical Duval rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
~$2,100/yr

A Community Development District bond funds roads & amenities; it appears on your tax bill and is not optional.

Insurance (illustrative range)
$1k–$2k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~33 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Market data · public records

Recent sales activity in Sweetwater By Del Webb

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Sweetwater By Del Webb neighborhood guide for more.

Comparable sales found
6

Recent nearby closings in the data set.

Community median sale price
$370,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$218

Canonical 12-month median $/sq ft. Reference only.

Go deeper on Sweetwater By Del Webb

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

In the area

Recent Sweetwater By Del Webb news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Jul 2026 · Development

Culinary Institute of America selects Jacksonville for Southeast campus

News4Jax reported that the Culinary Institute of America chose downtown Jacksonville for its Southeast hub, to be located at 330 E. Bay Street on the Northbank riverfront. The campus would anchor a $160.5 million hotel and convention center development. The city previously approved up to $35 million in incentives, and the Downtown Investment Authority is finalizing agreements on design and property details.

Why it matters: Anchors a major downtown riverfront redevelopment that pairs an educational campus with hotel and convention space, adding institutional and commercial investment to the urban core alongside Riverfront Plaza and Pearl Square. The project is about 11 miles northwest of Sweetwater By Del Webb, elsewhere in Duval County.

News4Jax

Jun 2026 · Infrastructure

First Coast Expressway advances as an economic-development corridor across Clay and St. Johns

The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.

Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 18 miles southwest of Sweetwater By Del Webb.

Jax Daily Record

May 2026 · Retail Dining

Grocery-anchored retail center proposed in Durbin Park

A grocery-anchored retail center was proposed at Durbin Park, the large mixed-use development near Interstate 95 and County Road 210 in northern St. Johns County, adding to the district's existing stores, restaurants, and Walmart-anchored core.

Why it matters: Added grocery and retail at Durbin Park deepens everyday conveniences in northern St. Johns County, an amenity factor that can support demand for surrounding communities. The site is about 9 miles south of Sweetwater By Del Webb.

Jax Daily Record

Apr 2026 · Development

Southeast Toyota opens $170M vehicle-processing facility at JAXPORT's Blount Island, adding 400-plus jobs

Southeast Toyota Distributors dedicated a new vehicle processing facility at JAXPORT's Blount Island Marine Terminal in April 2026. The company put the investment at $170 million and said the facility created more than 400 full-time jobs, most of them hired locally.

Why it matters: A large new employment center on Blount Island adds sustained local job demand, a factor that has historically supported nearby housing absorption. The project is about 12 miles north of Sweetwater By Del Webb, elsewhere in Duval County.

JAXPORT

What's nearby

Drive times to everyday places

Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.

Groceries

  • Winn-Dixie 12 min

Dining

  • Maple Street Biscuit Company 11 min

Shopping

  • Point Meadows West 11 min

Parks

  • Fort Family Park 16 min
Assigned schools

Assigned schools

Schools currently assigned to this address in Duval County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

GRADEC
Twin Lakes Academy Elementary SchoolPreK-5 · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEB
Twin Lakes Academy Middle School6-8 · Duval County School District · Grade B (Florida DOE 2025-26)
GRADEA
Atlantic Coast High School9-12 · Duval County School District · Grade A (Florida DOE 2025-26)
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

Community 12-month median: $218/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$1,306 – $1,900/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate3.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$789 – −$254At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: August 10, 2026)
Community market statsrealMLS closed sales, as of August 5, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

What is a CDD fee?

A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. Amounts vary by parcel; confirm the exact figure for this property with the county.

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Are short-term rentals allowed?

Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 11852 SURFBIRD Circle #41G in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.