Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville.

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Active

Active·193 days on market

904 Kennard Street

Jacksonville, FL 32208

$229,800$189/sqftEst. $1,185/moMLS# 2126841

Beds

Baths

1,216

Sq Ft

1949

Built

—

Garage

Pool

About this home

Jacksonville

The perfect ''everything is done'' home, this is it. We've completely reimagined this space to be both high-end and super comfortable. The first thing you'll notice is the incredible light reflecting off the oversized marble-style floors. It makes the entire home feel massive and airy. We built in a custom wet bar with wood-slat accents and a wine fridge, specifically thinking about Saturday nights with friends. Excellent covered back patio, which is a great spot to catch a breeze. Fenced backyard, private and ready for pets or a garden. Every finish was hand-picked to feel modern but timeless. Come walk through and see the quality for yourself—it's even better in person!

Cost to own

Mortgage calculator

Home Price

$229,800

Down Payment: 20%

$45,960

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,185

Principal & Interest: $1,185

Property taxes (est.): $375

Insurance (est.): $153

Estimated Total Monthly

$1,714

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,185

Property taxesest. at asking price, Duval County$375

Estimated total, before insurance$1,560/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,021/yr · $168/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: $97,000 in August 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$93,984	$93,984	—
2024	$95,055	$95,055	—
2023	$98,667	$98,667	—
2022	$91,136	$41,136	—
2021	$68,015	$60,759	▲ $11,045
2020	$55,236	$55,236	—

2025 property taxes (current owner): $2,021/yr

Estimated taxes if purchased at asking price: ~$4,500/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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 1949)

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: ~1,581 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