This home is in Jacksonville.

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Active

Active·123 days on market

2835 College Street

Jacksonville, FL 32205

$284,900$269/sqftEst. $1,448/moMLS# 2113121

Beds

Baths

1,058

Sq Ft

1924

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to 2835 College Street, a move-in ready Riverside home featuring an oversized fenced backyard rarely found at this price point. Freshly painted inside and out, this charming home is just blocks from local restaurants, parks, shopping, and the St. Johns River, offering the walkable Riverside lifestyle buyers love. Major improvements have already been completed, including the roof, HVAC, plumbing, and electrical systems in 2017. A recent WDO inspection has been completed with repairs addressed, providing added peace of mind. Inside, you'll find a spacious living area centered around an ornamental fireplace, an updated kitchen and bath, abundant natural light, and a flexible third bedroom ideal for a guest room, home office, nursery, or creative space. Original hardwood floors remain beneath the current flooring, offering future restoration potential.

Cost to own

Mortgage calculator

Home Price

$284,900

Down Payment: 20%

$56,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,448

Principal & Interest: $1,448

Property taxes (est.): $465

Insurance (est.): $190

Estimated Total Monthly

$2,103

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,448

Property taxesest. at asking price, Duval County$465

Estimated total, before insurance$1,913/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Last sold: $325,000 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$270,741	$270,741	—
2024	$254,338	$254,338	▲ $16,886
2023	$243,169	$193,169	▲ $23,669
2022	$215,081	$115,567	▲ $30,943
2021	$166,822	$110,745	▲ $5,786
2020	$158,526	$108,526	—

2024 property taxes (current owner): $4,726/yr

Estimated taxes if purchased at asking price: ~$5,600/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 1924)

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: ~1,684 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