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Sold

Sold·Closed Oct 9, 2025·9 days on market

389 Clark Street

Baldwin, FL 32234

$169,000sold priceListed at $169,000 · 100% of asking$209/sqftMLS# 2107159
2
Beds
1
Baths
810
Sq Ft
1987
Built
—
Garage
No
Pool
No HOA5,227 sqft lotSingle Family Residence1 story

About this home

Baldwin

Welcome to this charming 2-bedroom, 1-bath home in the town of Baldwin! Step inside and discover a completely remodeled kitchen, featuring new cabinets, appliances, and a double sink—all ready for you to be the first to use them. The updated bathroom includes a stand-up shower, a large vanity, and upgraded tile. You'll love the convenience of the indoor laundry room and the quiet mornings spent relaxing on your screened front porch. This home is designed for low-maintenance living with a durable concrete block exterior and a covered carport to protect your vehicle. You can move in with peace of mind knowing the home has a new AC system, water heater, and updated electrical and plumbing. The roof is only 5 years old. Enjoy the best of both worlds: a peaceful, small-town atmosphere with easy access to the interstate, local restaurants, and a quick drive to Jacksonville. With no HOA to worry about, this move-in-ready home offers freedom and comfort. Come see this home today!

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$936
Property taxesest. at asking price, Duval County$276
Estimated total, before insurance$1,212/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$169,000
$33,800
Loan Term
Monthly Payment
$936
Principal & Interest: $936
Property taxes (est.): $276
Insurance (est.): $113
Estimated Total Monthly
$1,325
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 — year not disclosed (home built 1987)

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

Solar potential: ~1,508 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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:32 AM, sunset 6:54 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $491/yr

Estimated taxes if purchased at asking price: ~$3,300/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.

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 $159/sq ft; this home is listed at $209/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
538 Boykins Lane, Baldwin, FL 32234Listed by TOP SOURCE REALTY LLCJun 2026$125,000$1303/1960250.2
159 Gold Street E, Baldwin, FL 32234Listed by FRONT PORCH REALTYJan 2026$156,000$1593/1980480.5
340 Canal Street, Baldwin, FL 32234Listed by SHOE REALTY INCDec 2025$300,000$2982/11,0082310.6
820 Lafayette Street, Baldwin, FL 32234Listed by LPT REALTY LLCMay 2026$70,000$783/1.589621.1

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$169,000
Price / Sq Ft$209
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage810
Total Structure Area1,134 sq ft
Acres0.12 acres
Year Built1987
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

ElementaryMamie Agnes Jones
MiddleBaldwin
HighBaldwin

Community Information

Address389 Clark Street, Baldwin, FL 32234
Area081-Marietta/Whitehouse/Baldwin/Garden St
SubdivisionBaldwin
CityBaldwin
CountyDuval
StateFL
Zip Code32234
Lot Size5,227.2 sq ft
Parcel Number0005080000
ZoningResidential

Amenities

Community FeaturesSidewalks
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached Carport

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom - Shower No Tub
AppliancesElectric Oven, Electric Range, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchFront Porch, Screened
RoofShingle
ConstructionBlock
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 4, 2025
Days on Market9
Tax Amount$490.54
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: US REALTY HUB

Sold by: REMI REALTY, LLC (buyer's brokerage)

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 Oct 9, 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.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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