This home is in Jacksonville.

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Active

Active·129 days on market

400 E Bay Street 1705

Jacksonville, FL 32202

$275,000$187/sqftEst. $1,402/moMLS# 2101233

Beds

Baths

1,473

Sq Ft

2005

Built

Garage

Pool

About this home

Jacksonville

PRICE IMPROVEMENT & 5K FLOOR CREDIT. Bright and elegant urban living awaits in this stunning 2-bedroom, 2-bath condo nestled in the heart of Downtown Jacksonville, FL, offering approx. 1,473 sq ft of thoughtfully designed, sunlit space. This is an open-concept layout where large windows fill the living and dining areas with natural light, setting the stage for stylish gatherings or relaxed evenings at home. Both bedrooms are spacious and private, each paired with a full bathroom that features modern, clean finishes. Step outside your residence and enjoy resort-style amenities, including an exclusive private pool, an outdoor kitchen and a fully equipped fitness center. Ideally positioned in downtown, you'll be walking distance to riverfront parks, cultural venues, restaurants, boutiques, and nightlife, while enjoying seamless access to major transit options and highways.

Cost to own

Mortgage calculator

Home Price

$275,000

Down Payment: 20%

$55,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,402

Principal & Interest: $1,402

Property taxes (est.): $449

Insurance (est.): $183

Estimated Total Monthly

$2,034

*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$1,402

Property taxesest. at asking price, Duval County$449

HOAbilled monthly$1,026

Estimated total, before insurance$2,877/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$266,500	$266,500	▼ $7,500
2024	$274,000	$274,000	—
2023	$274,000	$270,600	—
2022	$246,000	$246,000	—
2021	$237,000	$237,000	▲ $26,500
2020	$234,000	$234,000	—

Estimated taxes if purchased at asking price: ~$5,400/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 2005)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,649 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

Price & status history

Mar 16, 2026Listed$275,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$275,000

Price / Sq Ft$187

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,473

Year Built2005

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

Community Information

Address400 E Bay Street 1705, Jacksonville, FL 32202

Area073-Downtown Jacksonville-Northbank

SubdivisionThe Plaza Condominium At Berkman

CityJacksonville

CountyDuval

StateFL

Zip Code32202

Parcel Number073349-0362

ZoningCondominium

Amenities

AmenitiesBarbecue, Cable TV, Elevator(s), Fitness Center

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAssigned, Community Structure

Waterfront TypeNavigable Water, Ocean Access, River Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Primary Bathroom - Shower No Tub

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Freezer, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Security24 Hour Security, Closed Circuit Camera(s), Fire Alarm, Fire Sprinkler System, Key Card Entry, Secured Lobby, Security Gate, Smoke Detector(s)