Sold·Closed Jul 30, 2026·167 days on market
425 3rd Street W
Baldwin, FL 32234
About this home
Baldwin
* With acceptable offer - Seller is willing to contribute 3% towards buyers closing cost, Buy downs and/or prepaids. This delightful 3-bedroom, 2-bath home is perfectly situated, backing up to a scenic bike trail with access. making it a dream for outdoor enthusiasts and families alike. With the added bonus of an awesome flex room, this space can easily serve as an additional bedroom, home office, or playroom--giving you the flexibility to tailor it to your lifestyle. Imagine the convenience of walking just minutes to local elementary, middle, and high schools--perfect for those busy school days! You'll love the friendly community atmosphere and the nearby recreational opportunities that await you.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1998)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,702 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 homeAs 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.
Cost to own
Taxes & assessment
Last sold: $83,200 in July 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,552,150 | $1,075,056 | — |
| 2025 | $198,514 | $132,764 | — |
| 2024 | $1,571,331 | $1,044,051 | — |
| 2024 | $183,174 | $128,174 | — |
| 2023 | $1,650,918 | $1,012,185 | — |
| 2023 | $182,530 | $127,530 | — |
| 2022 | $1,502,590 | $981,248 | — |
| 2022 | $169,056 | $147,842 | — |
| 2021 | $1,222,401 | $951,212 | — |
| 2021 | $134,402 | $134,402 | — |
| 2020 | $1,229,465 | $937,389 | — |
2025 property taxes (current owner): $2,682/yr
Estimated taxes if purchased at asking price: ~$5,400/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.
History
Price & status history
- Jul 30, 2026Closed$279,000
- Jul 9, 2026Pending$279,000
- Jan 22, 2026Listed$279,000
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 $196/sq ft; this home is listed at $185/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 231 3rd (Includes Adjacent Lot) Street W, Baldwin, FL 32234Listed by EXP REALTY LLC | May 2026 | $265,000 | $215 | 2/2 | 1,230 | 295 | 0 |
| 594 Cedar Avenue, Baldwin, FL 32234Listed by REAL BROKER LLC | Sep 2026 | $289,000 | $206 | 3/2 | 1,400 | 15 | 0.1 |
| 465 2nd Street W, Baldwin, FL 32234Listed by REAL BROKER LLC | Sep 2026 | $175,000 | $95 | 3/2 | 1,838 | 2 | 0.2 |
| 270 Drew Street W, Baldwin, FL 32234Listed by UNITED REAL ESTATE GALLERY | Jan 2026 | $318,000 | $166 | 3/2 | 1,912 | 166 | 0.5 |
| 34 Delmonte Street, Baldwin, FL 32234Listed by TPR REAL ESTATE GROUP INC | May 2026 | $275,000 | $196 | 3/2 | 1,400 | 89 | 0.6 |
| 16509 Village Green Drive N, Jacksonville, FL 32234Listed by VENTURE REALTY CO, LLC | Jun 2026 | $90,000 | $53 | 2/2 | 1,707 | 90 | 1.9 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
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
This home sold on Jul 30, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines