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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

Sold·Closed Feb 26, 2026·6 days on market·Recent sales in Jacksonville

5831 Carter Lane

Jacksonville, FL 32244

$158,000sold priceListed at $159,900 · 98.8% of asking$158/sqftMLS# 2123045
3
Beds
1
Baths
1,000
Sq Ft
1977
Built
—
Garage
No
Pool
No HOA12,632 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Charming 3-bedroom, 1-bath home offering a great opportunity for a first-time buyer or investor. This cozy property features a new roof (1 year old), 4 year old HVAC, new interior paint, and a spacious front yard, perfect for outdoor enjoyment or future landscaping ideas. With a functional layout and solid potential, this home is ideal for those looking to build equity or add to a rental portfolio. Convenient location and affordable, come see it today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$875
Property taxesest. at asking price, Duval County$258
Estimated total, before insurance$1,133/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,437/yr · $203/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$158,000
$31,600
Loan Term
Monthly Payment
$875
Principal & Interest: $875
Property taxes (est.): $258
Insurance (est.): $105
Estimated Total Monthly
$1,239
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 1977)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,470 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,437/yr

Estimated taxes if purchased at asking price: ~$3,100/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, NEFMLS.

History

Price & status history

  • Jan 2, 2026Listed$159,900

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 $172/sq ft; this home is listed at $160/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5147 Broken Arrow Drive N, Jacksonville, FL 32244Listed by SOLSTICE REALTY, LLCJul 2026$191,500$1573/21,21980.2
5119 Corsair Avenue, Jacksonville, FL 32244Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$110,000$873/11,26730.4
6044 Sabre Drive, Jacksonville, FL 32244Listed by SAVVY AVENUE, LLC.Jul 2026$206,500$1723/11,200670.4
5219 Anchor Avenue, Jacksonville, FL 32244Listed by LONDON LUXE REALTY & PROPERTY MANAGEMENTJul 2026$130,000$1052/11,24420.5
5663 Minocqua Street, Jacksonville, FL 32210Listed by NAVY TO NAVY HOMES LLCSep 2026$245,000$2194/21,120140.7
5229 Saginaw Avenue, Jacksonville, FL 32210Listed by MOMENTUM REALTYAug 2026$214,000$1964/21,092500.8

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

Price$159,900
Price / Sq Ft$160
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,000
Acres0.29 acres
Year Built1977
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address5831 Carter Lane, Jacksonville, FL 32244
Area056-Yukon/Wesconnett/oak Hill
SubdivisionOrtega Farms
CityJacksonville
CountyDuval
StateFL
Zip Code32244
Lot Size12,632.4 sq ft
Parcel Number1032620050

Amenities

UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingUnassigned

Interior

AppliancesElectric Range
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchPatio
RoofMetal
ConstructionBlock
Road SurfaceGravel

Additional Information

Date ListedJanuary 2, 2026
Days on Market6
Tax Amount$2,436.96
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Feb 26, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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