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Active

Active·143 days on market

1718 Osceola Street

Jacksonville, FL 32204

$1,874,000$473/sqftEst. $9,555/moMLS# 2122052

Beds

Baths

3,964

Sq Ft

1922

Built

Garage

Pool

About this home

Jacksonville

Fully renovated 4-bedroom, 3.5-bathroom historic estate in Riverside, Jacksonville, Florida. This 3,964-square-foot residence sits on a corner lot with St. Johns River views and was completed after a 3.5-year renovation in 2025. The chef's kitchen features Wolf and Sub-Zero appliances and a custom white-and-brass range hood imported from Asia. Original inlaid wood flooring, 10-foot ceilings with gallery lighting, restored plaster walls, and original trim run throughout. The main home includes an original cast-iron tub on a riser. A 325-square-foot rear carriage house with full bathroom and original clawfoot tub provides flexible living space. One-car garage plus driveway parking for three vehicles. Unfinished basement for storage or future buildout. Near Memorial Park, the Cummer Museum, and downtown Jacksonville in the heart of Riverside.

Cost to own

Mortgage calculator

Home Price

$1,874,000

Down Payment: 20%

$374,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$9,555

Principal & Interest: $9,555

Property taxes (est.): $3,060

Insurance (est.): $1,249

Estimated Total Monthly

$13,864

*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$9,555

Property taxesest. at asking price, Duval County$3,060

Estimated total, before insurance$12,615/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$16,414/yr · $1,368/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

Last sold: $1,190,800 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$939,843	$876,075	▲ $78,278
2024	$861,795	$811,795	—
2023	$943,948	$893,948	▲ $213,088
2022	$700,488	$171,521	▲ $89,057
2021	$531,688	$162,739	—
2020	$490,661	$159,841	—

2025 property taxes (current owner): $16,414/yr

Estimated taxes if purchased at asking price: ~$36,700/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1922)

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: ~1,744 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

Price & status history

Mar 12, 2026Listed$1,874,000

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

Features

Price$1,874,000

Price / Sq Ft$473

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,964

Acres0.18 acres

Year Built1922

TypeResidential

Sub-TypeSingle Family Residence

StyleHistoric, Multi Generational, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryWest Riverside

MiddleLake Shore

HighRiverside

Community Information

Address1718 Osceola Street, Jacksonville, FL 32204

Area031-Riverside

SubdivisionRiverside

CityJacksonville

CountyDuval

StateFL

Zip Code32204

Lot Size7,840.8 sq ft

Parcel Number0905610000

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingDetached, Garage

ViewRiver

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Gas Oven, Gas Range, Ice Maker, Plumbed For Ice Maker, Refrigerator, Washer, Washer/Dryer Stacked, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryIn Unit

SecurityCarbon Monoxide Detector(s)