Charter Point

5477 BRIGHTWATER LN

Jacksonville, FL 32277
For Sale $550,000
5 bd · 4 ba · 3,436 sqft · Built 1979
Bryce Spraggins — The HOA Collective
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Call or Text 904-747-1HOA

The data relating to real estate for sale on this website 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 The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of BRONCO DEVELOPMENT, LLC (jbabin93@gmail.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

This 5 bedroom 3.5 bath home has been completely remodeled inside. Primary bathroom has shower and free standing tub. Primary bedroom has 2 closets. This is a must see. Home has a new A/C system, New Windows and Sliders, New appliances, washer dryer and water heater.
The home has new flooring throughout and has been beautifully updated with new cabinetry and custom wine room.
What a great home for entertaining. All located within centrally located Charter Point.

Also available for Lease under MLS 2116413

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $19,250
$4,802/mo
Principal & interest$3,470
Property tax (est.)$653
Insurance (est.)$413
FHA MIP$243
HOA dues$23
CDD assessment$0
Cash to close: ~$19,250 down · MIP financed
VA
$0 down
$4,699/mo
Principal & interest$3,610
Property tax (est.)$653
Insurance (est.)$413
VA fee (financed)$0
HOA dues$23
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $110,000
$3,916/mo
Principal & interest$2,828
Property tax (est.)$653
Insurance (est.)$413
PMI$0
HOA dues$23
CDD assessment$0
Cash to close: ~$110,000 down

Rate: 6.660% (Freddie Mac 30-yr avg, as of Aug 27, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.88% effective millage, plus actual HOA. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built1979
Heated area3,436 sq ft
Lot size14,891 sq ft
SubdivisionCHARTER POINT UNIT 02
Parcel (RE#)108927-1218
Legal description35-090 28-1S-27E

Valuation · 2025

Value

Just / Market
$550,000
Assessed
$214,795
Taxable
$159,073
2025 Property Tax
$2,985
Homestead Exemption
Yes $50,722 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$275 / Annually
CDD Assessment

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

DatePriceDeed
2025-06-01 $340,000

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
JEA
💧 Water
JEA
🚽 Sewer
JEA

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Elementary (zoned)
Middle (zoned)
High (zoned)

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Public Records

Crime Reports Near 5477 BRIGHTWATER LN

215
incident reports recorded by the Jacksonville Sheriff's Office within 1 mile of Charter Point, the 12 months ending July 31, 2026.

This is an area figure, not a figure about 5477 BRIGHTWATER LN. The HOA Collective does not rate addresses or neighborhoods and publishes no safety score. Reports are made to law enforcement rather than proven, are recorded at the hundred block rather than the exact address, and a circle takes in streets and businesses that have nothing to do with this home. Source: Jacksonville Sheriff's Office open data, updated daily. Search this address yourself →

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Charter Point? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Charter Point every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

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On the Market

Homes for Sale in Charter Point

Other active MLS listings in Charter Point.

The data relating to real estate for sale on this website 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 The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 5477 BRIGHTWATER LN?
The zoned public schools for 5477 BRIGHTWATER LN in Charter Point are Fort Caroline Elementary (elementary), Arlington MS (middle), Terry Parker HS (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 5477 BRIGHTWATER LN?
The most recent annual property tax for 5477 BRIGHTWATER LN is about $2,985 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 5477 BRIGHTWATER LN?
Homes in Charter Point have an HOA fee of about $275 per year (based on recent MLS listings).
When did 5477 BRIGHTWATER LN last sell?
5477 BRIGHTWATER LN last sold on June 1, 2025 for $340,000. Full sale history is shown on this page.
How big is 5477 BRIGHTWATER LN?
5477 BRIGHTWATER LN is a 3,436 sq ft home built in 1979 in Charter Point, Duval County, FL.
What would the monthly payment be on 5477 BRIGHTWATER LN?
At about a 6.66% 30-year rate, the estimated monthly payment for 5477 BRIGHTWATER LN is roughly $3,916 with a conventional loan (20% down), $4,802 with FHA (3.5% down), or $4,699 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Charter Point HOA. Use the payment calculator on this page to adjust the numbers.
Is 5477 BRIGHTWATER LN in a safe area?
The HOA Collective does not rate addresses or neighborhoods as safe or unsafe and publishes no safety score. For the surrounding area, the Jacksonville Sheriff's Office recorded 215 incident reports within 1 mile of Charter Point, the community 5477 BRIGHTWATER LN sits in, during the 12 months ending July 31, 2026. Those are reports made to law enforcement rather than charges or convictions, they are recorded by hundred block rather than exact address, and the circle takes in streets and businesses unrelated to this home. The figure and its source are published at thehoacollective.com/communities/charter-point/5477-brightwater-ln.

Property data is sourced from the Duval County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.