Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

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Active

Active·40 days on market

2746 Vernon Terrace

Jacksonville, FL 32205

$1,300,000$247/sqftEst. $6,628/moMLS# 2121273

Beds

Baths

5,270

Sq Ft

1938

Built

—

Garage

Pool

About this home

Jacksonville

Gorgeous riverfront property with the perfect blend of historic charm and modern comfort in this exquisite brick multi-family property in Riverside/Avondale Historic District. Six spacious 1 bedroom units, each exuding a timeless appeal. Light renovations have been tastefully carried out, preserving the unique architectural details that make this property a true gem. This property has breathtaking river views. Ample parking spaces in dedicated parking lot adds convenience for tenants. Re-roof in 2021, 2 laundry areas, new bathroom vanities, several new water heaters & more! Tenants pay electric only. See documents. Sold as-is. Please do not disturb tenants.

Cost to own

Mortgage calculator

Home Price

$1,300,000

Down Payment: 20%

$260,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$6,628

Principal & Interest: $6,628

Property taxes (est.): $2,123

Insurance (est.): $867

Estimated Total Monthly

$9,618

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$6,628

Property taxesest. at asking price, Duval County$2,123

Estimated total, before insurance$8,751/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$17,856/yr · $1,488/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$999,982	$999,982	—
2024	$1,030,285	$989,982	—
2023	$1,030,285	$899,984	—
2022	$818,168	$818,168	—
2021	$520,265	$520,265	—
2020	$520,265	$520,265	—

2025 property taxes (current owner): $17,856/yr

Estimated taxes if purchased at asking price: ~$25,500/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,577 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