This home is in Jacksonville.

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Active

Active·168 days on market

422 7th Street W

Jacksonville, FL 32206

$455,000$237/sqftEst. $2,422/moMLS# 2126078

Beds

Baths

1,916

Sq Ft

1916

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to this Beautiful Home with an Eye-Catching Front Porch surrounded by the Beautiful Fence and Staircase to the Front Door. The Owners have taken Great Care to Preserve the Beauty and Timelessness of this 100+ year old home. The Original Wood Floors both Upstairs and on the Main Floor have been Sanded, Sealed and Restored to their Natural Beauty, and the Baseboards and Casings throughout the Interior have been Preserved as well. You will find an Updated Kitchen with Custom Range Hood, Quartz Countertops and Newer Appliances as well as Tastefully Updated Bathrooms. Every Space has been given a Fresh Touch; Let's Add even More Value. 4-Year-Old Roof, Re-Wire and a Re-Pipe as well as New Duct Work all completed within the Last 4 Years. Fully Fenced with Gate Entry from each Side of the Home. Great Opportunity as an Investment as an AIRBNB or VRBO. Completely Move-In Ready, Set your Appointment Soon

Cost to own

Mortgage calculator

Home Price

$455,000

Down Payment: 20%

$91,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,313

Principal & Interest: $2,313

Est. Taxes & Insurance: $578

Estimated Total Monthly

$2,891

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,422

Property taxesest. at asking price, Duval County$743

Estimated total, before insurance$3,165/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Last sold: $435,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$370,714	$370,714	—
2024	$370,034	$370,034	—
2023	$139,054	$139,054	—
2022	$155,183	$81,429	—
2021	$127,601	$77,601	—
2020	$114,226	$110,788	—

2025 property taxes (current owner): $6,931/yr

Estimated taxes if purchased at asking price: ~$8,900/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.

Solar potential: ~1,732 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History