This home is in Jacksonville.
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Sold·Closed Dec 12, 2025·9 days on market·Recent sales in New Construction — Jacksonville
1235 Monterey Street
Jacksonville, FL 32207
About this home
Jacksonville
Come visit this adorable sturdy brick Miramar bungalow, blt in 1941 offering approx 1,350 sq ft. It has a wonderful floorplan with two beds/one bath, making it an excellent choice as a starter home, a downsizer, or for an empty nester. It's recently had almost every big ticket system updated ~new septic & drainfield, roof, plumbing, tankless water heater, Rheem HVAC, elect, & freshly painted exterior. Step into a large formal living room with WB fireplace, & an inviting light-filled sunroom that could be a perfect office. The informal dining space opens into a huge den/fam room which overlooks a large fenced in back yard. The kitchen was recently renovated with new soft-close white cabinetry & quartz countertops. The garage is a tandem 2 car garage, being sold AS IS, but also has a new roof & is in good condition. It offers incredible space for storage or a possible future man cave or she-shed. There is also a large covered patio to the side of of the garage. Wonderful neighbors too
Next steps in New Construction — Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1941)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,414 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 homeThis 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.
Sun & Light
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
- The coolest diagonal for a lanai; a pool here trades warmth for comfort.
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): $2,517/yr
Estimated taxes if purchased at asking price: ~$8,200/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
- Nov 7, 2025Listed$419,900
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 $288/sq ft; this home is listed at $311/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1117 Peachtree Street, Jacksonville, FL 32207Listed by WATSON REALTY CORP | Sep 2026 | $350,000 | $269 | 2/1 | 1,302 | 29 | 0.2 |
| 1122 Miramar Avenue, Jacksonville, FL 32207Listed by RE/MAX SPECIALISTS | Sep 2026 | $332,500 | $242 | 3/2 | 1,374 | 2 | 0.2 |
| 1278 Eutaw Place, Jacksonville, FL 32207Listed by ROUND TABLE REALTY | Aug 2026 | $522,500 | $327 | 4/2 | 1,597 | 24 | 0.2 |
| 4121 Birmingham Road, Jacksonville, FL 32207Listed by PURSUIT REAL ESTATE, LLC | Aug 2026 | $255,000 | $206 | 3/1 | 1,240 | 58 | 0.3 |
| 4242 Pinewood Avenue, Jacksonville, FL 32207Listed by FLUID REALTY, LLC. | Oct 2026 | $360,000 | $295 | 3/1 | 1,221 | 42 | 0.4 |
| 4334 Redwood Avenue, Jacksonville, FL 32207Listed by RE/MAX SPECIALISTS | Oct 2026 | $327,500 | $288 | 3/1 | 1,138 | 21 | 0.5 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RIVERPOINT 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Dec 12, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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