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Active Under Contract

Active Under Contract·228 days on market

4518 Astral Street

Jacksonville, FL 32205

$369,000$184/sqftEst. $1,903/moMLS# 2094737

Beds

Baths

2,003

Sq Ft

1926

Built

—

Garage

Pool

About this home

Jacksonville

Now available in the heart of Murray Hill — a truly unique historic property offering two beautifully upgraded homes for one unbeatable price! Live in the main residence and generate income from the fully renovated guest house/in-law suite. With a 6-foot privacy fence and an electronic security gate, this property offers rare seclusion and a true family compound feel, complete with an adjacent lot and spacious lawn, and a beautiful paver driveway and patio—perfect for entertaining and outdoor living. Main Home: 1,378 sq. ft. 3 Beds/2 Full Baths, original all-brick home, fully renovated and insulated throughout, hardwood floors, and modernized kitchen and bathrooms. Guest House/ In-Law Suite features One bedroom and one decorative tile bathroom, Fully upgraded kitchen with granite counter tops and stainless appliances and spectacular open-concept. Located just minutes from Riverside, Avondale, FSCJ, NAS Jax, and downtown Jacksonville.

Cost to own

Mortgage calculator

Home Price

$369,000

Down Payment: 20%

$73,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,903

Principal & Interest: $1,903

Property taxes (est.): $603

Insurance (est.): $246

Estimated Total Monthly

$2,751

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,903

Property taxesest. at asking price, Duval County$603

Estimated total, before insurance$2,505/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,406/yr · $367/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

Year	Market value	Taxable value	Change
2025	$3,636,146	$3,085,424	—
2025	$234,539	$234,539	—
2024	$1,097,587	$854,159	—
2024	$234,785	$234,785	▲ $21,819
2023	$1,020,129	$776,508	—
2023	$220,127	$220,127	▲ $15,196
2022	$744,620	$619,516	—
2022	$197,134	$173,231	▲ $13,325
2021	$563,196	$563,196	—
2021	$157,483	$157,483	▲ $3,998
2020	$378,472	$378,472	—
2020	$149,169	$149,169	▲ $6,129

2024 property taxes (current owner): $4,406/yr

Estimated taxes if purchased at asking price: ~$7,200/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1926)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~975 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

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