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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 Jacksonville — a pool home in Jacksonville.

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Sold

Sold·Closed May 5, 2025·56 days on market·Recent sales in Jacksonville

2881 Downing Street

Jacksonville, FL 32205

$605,000sold priceListed at $614,000 · 98.5% of asking$248/sqftMLS# 2065169
3
Beds
2
Baths
2,440
Sq Ft
1928
Built
—
Garage
Yes
Pool
No HOA12,632 sqft lotSingle Family Residence2 stories

About this home

Jacksonville

This exceptional property combines historic charm with modern updates on a rare double lot in Avondale. Enjoy outdoor living with lush landscaping, a spacious yard, raised wood deck with pool, and an al fresco dining area featuring a stunning pecky cypress focal wall. The charming mosaic-tiled front porch welcomes you into a home where timeless character meets modern convenience. With a new roof (2021), all new electrical (2021), new Rinnai tankless water heater (2021) and updated HVACs (2024/2021), this home is as practical as it is beautiful. Improvements the eye can enjoy include a cozy new gas fireplace (2022) and all new stainless-steel kitchen appliances (2021). The upstairs remodel (2009), which received national recognition, adds to the home's unique appeal with multiple versatile bonus rooms, perfect for work or play. This property is a rare find and convenient to the parks, dining, and shopping that make the neighborhood so desirable.

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$3,351
Property taxesest. at asking price, Duval County$988
Estimated total, before insurance$4,339/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,611/yr · $634/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

$605,000
$121,000
Loan Term
Monthly Payment
$3,351
Principal & Interest: $3,351
Property taxes (est.): $988
Insurance (est.): $403
Estimated Total Monthly
$4,742
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,394 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $7,611/yr

Estimated taxes if purchased at asking price: ~$11,900/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

  • Jan 16, 2025Listed$614,000

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 $308/sq ft; this home is listed at $252/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2789 Selma Street, Jacksonville, FL 32205Listed by KELLER WILLIAMS ST JOHNSOct 2026$675,000$2425/42,784320.3
1326 Hollywood Avenue, Jacksonville, FL 32205Listed by COWFORD REALTY & DESIGN LLCSep 2026$550,000$3083/21,786230.4
1453 Belvedere Avenue, Jacksonville, FL 32205Listed by KELLER WILLIAMS JACKSONVILLESep 2026$655,000$3113/2.52,103600.4
2873 Green Street, Jacksonville, FL 32205Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$550,000$2643/2.52,084490.4
2686 Green Street, Jacksonville, FL 32204Listed by SOUTHEAST ATLANTIC REALTYAug 2026$523,000$2563/2.52,0411830.5
1361 Challen Avenue, Jacksonville, FL 32205Listed by COWFORD REALTY & DESIGN LLCAug 2026$709,900$4143/21,71550.5

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$614,000
Price / Sq Ft$252
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,440
Acres0.29 acres
Year Built1928
TypeResidential
Sub-TypeSingle Family Residence
StyleHistoric
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolYes
Pool FeaturesAbove Ground
Is WaterfrontNo

School Information

ElementaryWest Riverside
MiddleLake Shore
HighRiverside

Community Information

Address2881 Downing Street, Jacksonville, FL 32205
Area032-Avondale
SubdivisionWillow Brook Terrace
CityJacksonville
CountyDuval
StateFL
Zip Code32205
Lot Size12,632.4 sq ft
Parcel Number0631330000

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOff Street

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Pantry, Walk-In Closet(s)
AppliancesDishwasher, Gas Cooktop, Gas Oven, Gas Range, Refrigerator, Tankless Water Heater
HeatingCentral, Electric, Hot Water
CoolingCentral Air, Electric, Multi Units
FlooringTile, Vinyl, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionHistoric Area
Patio / PorchCovered, Deck, Front Porch, Patio, Terrace
FencingBack Yard, Wood
RoofShingle
ConstructionBrick
Other StructuresShed(s)

Additional Information

Date ListedJanuary 16, 2025
Days on Market56
Tax Amount$7,611.48
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 5, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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