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.

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Active

Active·37 days on market

2981 Ernest Street

Jacksonville, FL 32205

$210,000$263/sqftEst. $1,079/moMLS# 2122044

Beds

Baths

800

Sq Ft

1944

Built

—

Garage

Pool

About this home

Jacksonville

Discover This Inviting 2-Bedroom, 1-Bathroom Home Nestled In A Well-Established Neighborhood. Updated With Modern Features, This Property Offers Excellent Value For First-Time Homebuyers Or Savvy Investors Looking To Expand Their Portfolio. Key Features: 2 Spacious Bedrooms, 1 Full Bathroom, Ceiling Fans In All Rooms For Year-Round Comfort, Abundant Natural Light Throughout The Home, Private Fenced Backyard - Perfect For Pets, Outdoor Entertaining, Or Creating Your Own Garden Oasis, Prime Location With Convenient Access To Interstate I-10 For Easy Commuting. Whether You're Looking To Start Your Homeownership Journey Or Add A Solid Rental Property To Your Investment Portfolio, This Home Delivers Both Opportunity And Convenience. The Combination Of Modern Updates, An Established Neighborhood, And Excellent Highway Access Makes This Property Highly Desirable For Tenants Or Owner-Occupants Alike. Concessions available for closing Cost and prepaids.

Cost to own

Mortgage calculator

Home Price

$210,000

Down Payment: 20%

$42,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,079

Principal & Interest: $1,079

Property taxes (est.): $343

Insurance (est.): $140

Estimated Total Monthly

$1,561

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,079

Property taxesest. at asking price, Duval County$343

Estimated total, before insurance$1,421/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.

Cost to own

Taxes & assessment

Last sold: $240,000 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$142,344	$142,344	—
2024	$137,047	$137,047	▲ $9,242
2023	$132,283	$132,283	—
2022	$128,086	$128,086	▲ $53,629
2021	$65,507	$65,507	▲ $353
2020	$63,961	$63,961	—

Estimated taxes if purchased at asking price: ~$4,100/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Metal — year not disclosed (home built 1944)

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: ~1,724 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