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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.

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Active

Active·137 days on market

1739 Ella Street

Jacksonville, FL 32209

$120,000$146/sqftEst. $665/moMLS# 2114866
2
Beds
1
Baths
824
Sq Ft
1940
Built
1
Garage
No
Pool
FEMA Zone XNo HOA7,405 sqft lotSingle Family Residence2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Investor Alert! Investor Alert! Vacant and ready for your next project or tenant, 1739 Ella Street offers strong potential in one of Jacksonville's fastest-growing ZIP codes -- right behind Edward Waters University, where a major expansion is adding 425 new beds, a community hub, and a new track facility. EWU enrollment has surged 30% in just four years, creating steady rental demand. This home features newer flooring, and an updated kitchen. Previously rented for $1,200/month (Section 8 paid $961). Great potential to convert the garage into an additional bedroom or flex space. Conveniently located minutes from Downtown Jacksonville, Riverside, the Jaguars Stadium, Jacksonville Zoo, shops, major highways and more, making it ideal for growth-minded investors. To be sold AS-IS. Excellent location, and strong rental upside!

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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$665
Property taxesest. at asking price, Duval County$196
Estimated total, before insurance$861/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,948/yr · $162/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

$120,000
$24,000
Loan Term
Monthly Payment
$665
Principal & Interest: $665
Property taxes (est.): $196
Insurance (est.): $80
Estimated Total Monthly
$941
*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.

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 1940)

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: ~1,299 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.

Cost to own

Taxes & assessment

Last sold: $105,000 in December 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$108,219$108,219—
2024$98,861$98,861—
2023$40,320$40,320—
2022$31,945$28,881—
2021$26,256$26,256—
2020$24,702$24,702—

2024 property taxes (current owner): $1,948/yr

Estimated taxes if purchased at asking price: ~$2,400/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.

History

Price & status history

  • Aug 17, 2026Price change$120,000+$10,000
  • May 26, 2026Listed$110,000

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 $123/sq ft; this home is listed at $146/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1757 W 12th Street, Jacksonville, FL 32209Listed by CHAD AND SANDY REAL ESTATE GROUPSep 2026$120,000$1263/1952120.2
1813 W 5th Street, Jacksonville, FL 32209Listed by INI REALTYAug 2026$123,000$1233/11,000400.3
1519 W 6th Street, Jacksonville, FL 32209Listed by FREEDOM REALTY GROUP LLCAug 2026$94,500$923/11,0252140.4
2033 W 13th Street, Jacksonville, FL 32209Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$190,000$1843/21,031170.5
1870 Hartridge Street, Jacksonville, FL 32209Listed by ROUND TABLE REALTYOct 2026$98,000$943/21,0482740.6
1645 W 22nd Street, Jacksonville, FL 32209Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$115,000$1123/11,025280.7

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$120,000
Price / Sq Ft$146
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage824
Acres0.17 acres
Year Built1940
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address1739 Ella Street, Jacksonville, FL 32209
Area075-Trout River/College Park/Ribault Manor
SubdivisionNorth Lavilla
CityJacksonville
CountyDuval
StateFL
Zip Code32209
Lot Size7,405.2 sq ft
Parcel Number0522430000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

AppliancesElectric Range, Refrigerator
HeatingElectric
CoolingCentral Air
FlooringTile, Wood
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Garage, Washer Hookup

Exterior

Lot DescriptionMany Trees
RoofShingle
ConstructionFiber Cement
Road SurfacePaved

Additional Information

Date ListedMay 26, 2026
Days on Market290
Tax Amount$1,947.96
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DJ & LINDSEY REAL ESTATE

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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