This home is in Jacksonville.

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Active Under Contract

Active Under Contract·214 days on market

400 E Bay Street 604

Jacksonville, FL 32202

$292,500$219/sqftEst. $1,491/moMLS# 2122303

Beds

Baths

1,338

Sq Ft

2003

Built

Garage

Pool

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

Mortgage calculator

Home Price

$292,500

Down Payment: 20%

$58,500

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,491

Principal & Interest: $1,491

Property taxes (est.): $478

Insurance (est.): $195

Estimated Total Monthly

$2,164

*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$1,491

Property taxesest. at asking price, Duval County$478

HOAbilled monthly$1,188

Estimated total, before insurance$3,157/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

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.

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 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

Dec 21, 2025Listed$292,500

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

Features

Price$292,500

Price / Sq Ft$219

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,338

Year Built2003

TypeResidential

Sub-TypeCondominium

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryLong Branch

MiddleMatthew Gilbert

HighStanton

Community Information

Address400 E Bay Street 604, Jacksonville, FL 32202

Area073-Downtown Jacksonville-Northbank

SubdivisionThe Plaza Condominium At Berkman

CityJacksonville

CountyDuval

StateFL

Zip Code32202

Parcel Number073349-0152

ZoningPUD

Amenities

AmenitiesPool, Dog Park, Elevator(s), Fitness Center, Gated, Jogging Path, Management - Full Time, Management- On Site, Marina, Park, Pickleball, Racquetball, Service Elevator(s), Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Attached, Covered, Garage Door Opener, Gated, Guest

ViewCity

Waterfront TypeNavigable Water, Ocean Access, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryIn Unit

SecurityClosed Circuit Camera(s), Entry Phone/Intercom, Fire Alarm, Fire Sprinkler System, Key Card Entry, Secured Elevator, Security Gate, Smoke Detector(s)