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Active

Active·229 days on market

347 Cottage Avenue 347 & 349

Jacksonville, FL 32206

$305,000$154/sqftEst. $1,568/moMLS# 2124832

Beds

Baths

1,981

Sq Ft

1916

Built

—

Garage

Pool

About this home

Jacksonville

SHORT SALE!! CALL FOR DETAILS! DUPLEX is part of the•NATIONAL REGISTER• OF HISTORIC PLACES. Looking to own an amazing income producing property in HISTORIC Springfield that is walking distance to UF Health Hospital? Look no further! This is your opportunity to live in one unit while renting out the other, or enjoy an investment opportunity and rent out both units. Currently 2nd floor unit is Tenant occupied. This 4bedroom, 2.5 bathroom duplex offers one unit(#347) on the 1st entry floor and the 2nd unit (#349) on the 2nd floor. #349 has newer HVAC, 2 full bedrooms and additional room on the 3rd floor with unfinished closet in the attic space. Unit 349 has luxury vinyl plank throughout with a peaceful large balcony overlooking the turfed backyard. Both Units offer Newer appliances, granite countertops and updated Kitchens and bathrooms. #347 has original hard wood floors and LVP with 1.5 bathrooms. Don't let this great opportunity pass you by!

Cost to own

Mortgage calculator

Home Price

$305,000

Down Payment: 20%

$61,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,568

Principal & Interest: $1,568

Property taxes (est.): $498

Insurance (est.): $203

Estimated Total Monthly

$2,269

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,568

Property taxesest. at asking price, Duval County$498

Estimated total, before insurance$2,066/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,100/yr · $508/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: $349,000 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$303,966	$303,966	—
2024	$280,713	$280,713	—
2023	$287,671	$237,671	—
2022	$113,829	$82,034	—
2021	$96,111	$74,577	—
2020	$86,638	$67,798	—

2025 property taxes (current owner): $6,100/yr

Estimated taxes if purchased at asking price: ~$6,000/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1916)

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: ~1,729 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

Jan 13, 2026Listed$305,000

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

Features

Price$305,000

Price / Sq Ft$154

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,981

Acres0.08 acres

Year Built1916

TypeResidential Income

Sub-TypeDuplex

StatusActive

Has PoolNo

Is WaterfrontNo

School Information

ElementaryAndrew A. Robinson

MiddleMatthew Gilbert

HighWilliam M. Raines

Community Information

Address347 Cottage Avenue 347 & 349, Jacksonville, FL 32206

Area072-Springfield

SubdivisionSpringfield

CityJacksonville

CountyDuval

StateFL

Zip Code32206

Lot Size3,484.8 sq ft

Parcel Number0731530000

ZoningResidential

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Separate Electric Meters, Separate Water Meters, Sewer Connected, Water Connected

Water SourcePublic

ParkingOff Street, On Street