This home is in Jacksonville — a waterfront home in Jacksonville.
Active Under Contract·304 days on market
400 E Bay Street 604
Jacksonville, FL 32202
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Fantastic 2-bedroom, 2-bath Plaza condo. Solid flooring, granite counters in kitchen, newer appliances including large refrig/freezer, nice neutral color scheme throughout, full-size W/D in dedicated laundry room, upgraded LED lighting, ceiling fans, great closet space, long balcony looking out to downtown and the Cathedral District, and more! Enjoy your resort lifestyle at The Plaza! The Plaza is on the River in downtown Jax. Walk to offices, museums, parks, restaurants, Jags games, Jumbo Shrimp games, Icemen hockey and 5 concert venues. Squash & racquetball court, tennis & pickle ball courts, 24/7 Concierge, sun soaked pool, bocci ball court, outdoor kitchen & gas grills, Swedish sauna, steam room, newly renovated fitness center, business center, guest suite, wine lockers & 21st Floor Riverview Lounge for entertaining. Slips available at the adjacent marina.
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.
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.
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.
Hurricane evacuation zone B
Zone B evacuates after zone A in an approaching storm.
Roof: material not specified — year not disclosed (home built 2003)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,649 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Atlantic Beach 19th Street lotabout 15 mi · 14 parking spaces
Closest park or preserve
Reddie Point Preserveabout 5 mi · 1.2 mi of trails
Closest public boat ramp
Arlington Road Public Boat Rampabout 3 mi · St. Johns River
Closest kayak & paddleboard launch
Bee Street Park – Paddlecraft Accessabout 0.9 mi · Saint Johns River
Closest youth league fields
Robert F. Kennedy Park and Community Centerabout 0.9 mi · Basketball
Closest grocery store
Aldiabout 0.4 mi · 777 North Market Street, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $242,000 | $158,816 | ▼ $19,500 |
| 2024 | $261,500 | $153,633 | — |
| 2023 | $261,500 | $147,702 | — |
| 2022 | $223,000 | $141,944 | — |
| 2021 | $215,500 | $136,354 | ▲ $24,500 |
| 2020 | $212,500 | $133,782 | — |
Estimated taxes if purchased at asking price: ~$5,700/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.
History
Price & status history
- Dec 21, 2025Listed$292,500
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 $237/sq ft; this home is listed at $219/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 400 Bay Street 404, Jacksonville, FL 32202Listed by CORE REALTY, LLC | Oct 2026 | $217,500 | $163 | 2/2 | 1,338 | 160 | 0 |
| 400 E Bay Street 1910, Jacksonville, FL 32202Listed by EGI REAL ESTATE | Oct 2026 | $405,000 | $368 | 1/1 | 1,100 | 14 | 0 |
| 400 E Bay Street 1710, Jacksonville, FL 32202Listed by EGI REAL ESTATE | Oct 2026 | $399,900 | $364 | 1/1 | 1,100 | 0 | 0 |
| 400 E Bay Street 805, Jacksonville, FL 32202Listed by EGI REAL ESTATE | Sep 2026 | $260,000 | $177 | 2/2 | 1,473 | 64 | 0 |
| 400 E Bay Street 1005, Jacksonville, FL 32202Listed by OAKLEAF EQUITY INC | Aug 2026 | $213,000 | $145 | 2/2 | 1,473 | 8 | 0 |
| 400 E Bay Street 1701, Jacksonville, FL 32202Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $227,000 | $237 | 1/1 | 959 | 62 | 0 |
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: EGI 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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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines