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

This home is in Kensington Gardens, Jacksonville.

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Sold

Sold·Closed Feb 23, 2026·3 days on market·Recent sales in Kensington Gardens·Kensington Gardens

2139 Lady Di Lane

Jacksonville, FL 32246

$360,000sold priceListed at $360,000 · 100% of asking$174/sqftMLS# 2126022
4
Beds
2
Baths
2,072
Sq Ft
1989
Built
2
Garage
No
Pool

3 more homes for sale in Kensington Gardens →Search Kensington Gardens on the map

HOA $58/mo9,148 sqft lotSingle Family Residence1 story

About this home

Kensington Gardens

Now Available in Kensington Gardens! Come see this charming Home consisting of 4 bedrooms, 2 bath, 2,072 (sqft), -clean residence with a spacious layout and great backyard! This is the perfect home for those looking for space and best of all it's move in ready. Property is being sold ''as-is'' with right to inspect. It is the buyers and buyer's agent responsibility to verify all room measurements, utilities info, lot size, schools zoning, building addition permits, building materials, along with all property information in this listing. All room measurements and dimensions are estimates.

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$1,994
Property taxesest. at asking price, Duval County$588
HOAbilled annually$58
Estimated total, before insurance$2,639/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,314/yr · $610/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

$360,000
$72,000
Loan Term
Monthly Payment
$1,994
Principal & Interest: $1,994
Property taxes (est.): $588
Insurance (est.): $240
Estimated Total Monthly
$2,822
*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: Shingle — year not disclosed (home built 1989)

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

Solar potential: ~1,739 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

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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:26 AM, sunset 6:58 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,314/yr

Estimated taxes if purchased at asking price: ~$7,100/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 20, 2026Listed$360,000

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 $267/sq ft; this home is listed at $174/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2118 Pecos Way, Jacksonville, FL 32246Listed by ROUND TABLE REALTYSep 2026$390,000$2663/21,46860.5
12887 Bentwater Drive, Jacksonville, FL 32246Listed by PONTE VEDRA CLUB REALTY, INC.Sep 2026$420,000$2863/21,469290.7
2660 Alexia Circle, Jacksonville, FL 32246Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDESep 2026$535,000$2674/32,0061350.7
2494 The Woods Drive E, Jacksonville, FL 32246Listed by MOMENTUM REALTYSep 2026$435,455$2353/21,85020.8
12752 Costas Way, Jacksonville, FL 32246Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$675,000$3014/32,2461330.9
2189 The Woods Drive E, Jacksonville, FL 32246Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$410,000$1983/22,0731050.9

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$360,000
Price / Sq Ft$174
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,072
Total Structure Area2,554 sq ft
Acres0.21 acres
Year Built1989
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouthwest

Community Information

Address2139 Lady Di Lane, Jacksonville, FL 32246
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionKensington Gardens
CityJacksonville
CountyDuval
StateFL
Zip Code32246
Lot Size9,147.6 sq ft
Parcel Number1652852725
ZoningResidential

Amenities

UtilitiesElectricity Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewOther

Interior

Interior FeaturesCeiling Fan(s), Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesElectric Range, Refrigerator
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionOther
Patio / PorchRear Porch
FencingFenced, Other
RoofShingle
ConstructionOther
Road SurfaceAsphalt

Additional Information

Date ListedJanuary 20, 2026
Days on Market3
HOA Fees$690 / Annually
HOA FrequencyAnnually
Tax Amount$7,314.29
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SEFAIR INVESTMENTS, INC.

Sold by: FLORIDA HOMES REALTY & MTG LLC (buyer's brokerage)

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.

The neighborhood

About Kensington Gardens

Kensington Gardens is a neighborhood in Jacksonville, FL (Duval County), ZIP 32246.

View all Kensington Gardens homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Feb 23, 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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