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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed Feb 27, 2026·95 days on market·Recent sales in Jacksonville

2522 Grand Street

Jacksonville, FL 32208

$345,000sold priceListed at $350,000 · 98.6% of asking$196/sqftMLS# 2113717
4
Beds
2
Baths
1,760
Sq Ft
2023
Built
2
Garage
No
Pool
No HOA15,682 sqft lotWaterfrontSingle Family Residence1 story

About this home

Jacksonville

Launch your kayaks right from the backyard and explore the natural beauty of this quiet stretch of the Ribault River. Built in 2023, this 4-bedroom, 2-bath home offers an ideal split floorplan and easy indoor-outdoor living. Relax on the back deck while soaking in the gorgeous sunsets, thanks to the home's west-facing riverfront. The backyard is a true retreat, lush with bamboo, banana trees, and gorgeous views. With all major systems new in 2023 - including septic, well, and a water purification system - and with the home built up high on a 3 foot stem wall foundation - you can move in with peace of mind. JEA has already set plans to bring the neighborhood to public sewer within the next five years at no cost to homeowners. Huge driveway with plenty of room to keep a boat. Only 4 min to closest boat ramp, 12 min to downtown, 14 min to JIA, 35 min to Jax Beach, and 10 min to the Zoo. Enjoy the charm of a well-established waterfront neighborhood with all the benefits of a newer home!

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$1,911
Property taxesest. at asking price, Duval County$563
Estimated total, before insurance$2,474/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,503/yr · $375/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$345,000
$69,000
Loan Term
Monthly Payment
$1,911
Principal & Interest: $1,911
Property taxes (est.): $563
Insurance (est.): $230
Estimated Total Monthly
$2,704
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 2023)

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

Solar potential: ~1,586 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,503/yr

Estimated taxes if purchased at asking price: ~$6,800/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.

History

Price & status history

  • Oct 16, 2025Listed$350,000

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

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 $125/sq ft; this home is listed at $199/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2325 Ribault Scenic Drive, Jacksonville, FL 32208Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$235,000$1253/21,887190.2
2308 Clyde Drive, Jacksonville, FL 32208Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$285,000$1486/31,924270.3
8764 3rd Avenue, Jacksonville, FL 32208Listed by GPS HOMES REALTY LLCSep 2026$110,000$884/21,248230.4
8951 Adams Avenue, Jacksonville, FL 32208Listed by OPENDOOR BROKERAGE, LLC.Sep 2026$106,500$793/11,35030.6
1824 Rugby Road, Jacksonville, FL 32208Listed by WATSON REALTY CORPAug 2026$248,000$1464/21,6971730.6
3004 Donna Drive, Jacksonville, FL 32208Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEAug 2026$199,900$1083/21,84550.6

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$350,000
Price / Sq Ft$199
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,760
Acres0.36 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Craftsman, Ranch, Traditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address2522 Grand Street, Jacksonville, FL 32208
Area075-Trout River/College Park/Ribault Manor
SubdivisionRio Vista
CityJacksonville
CountyDuval
StateFL
Zip Code32208
Lot Size15,681.6 sq ft
Parcel Number0369260000

Amenities

UtilitiesCable Available, Electricity Available, Sewer Not Available, Water Available
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Off Street
ViewCreek/Stream, River

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Exterior FeaturesFire Pit
Patio / PorchDeck
RoofShingle
ConstructionComposition Siding

Additional Information

Date ListedOctober 16, 2025
Days on Market95
Tax Amount$4,503.07
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COWFORD REALTY & DESIGN LLC

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 Feb 27, 2026. 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

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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