This home is in Jacksonville.

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1520 Osceola Street

Jacksonville, FL 32204

$599,000$236/sqftEst. $3,054/moMLS# 2076826

Beds

Baths

2,533

Sq Ft

1909

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to a beautifully furnished home located in the historic ''Riverside'' neighborhood, just a few blocks away from the St. Johns River. This home features a spacious front covered porch, a main level with a living area complete with a fireplace and plenty of natural light from large windows, a separate dining room, and a gorgeous kitchen with stainless steel appliances, granite countertops, and white shaker cabinets. The bedrooms have wood flooring and their own fireplaces. The upstairs includes a game room with a wet bar, and the home also offers a paver driveway for parking. Enjoy a convenient location with easy access to St. Vincent's Hospital, Restaurants, and Parks.

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,054

Principal & Interest: $3,054

Property taxes (est.): $978

Insurance (est.): $399

Estimated Total Monthly

$4,432

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$3,054

Property taxesest. at asking price, Duval County$978

Estimated total, before insurance$4,032/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$6,318/yr · $527/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).

Cost to own

Taxes & assessment

Last sold: $750,000 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$354,280	$354,280	▲ $13,799
2024	$341,817	$341,817	—
2023	$342,229	$342,229	▲ $2,257
2022	$283,095	$283,095	▲ $34,704
2021	$218,704	$218,704	—
2020	$193,966	$193,966	—

2024 property taxes (current owner): $6,318/yr

Estimated taxes if purchased at asking price: ~$11,700/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 (2025), NEFMLS.

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 C

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

Roof: Shingle — year not disclosed (home built 1909)

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

Solar potential: ~1,542 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 July 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.

History