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·190 days on market

1588 W 15th Street

Jacksonville, FL 32209

$209,900$141/sqftEst. $1,082/moMLS# 2127869

Beds

Baths

1,488

Sq Ft

1940

Built

—

Garage

Pool

About this home

Jacksonville

Back on the Market, Buyer could not get financing - no fault of the home or Seller. **Not a CATFISH!** This home looks just as good in person as she looks in pictures! Want to meet her? She is available today. Are you tired of searching for a well built, beautiful home that isn't cheap junk? This is it! Built tough - the way they used to make homes - and then renovated. Everything has been updated or replaced. Pull up to your freshly poured driveway, and step in to NEW LVP floors, NEW cabinets, NEW fixtures, NEW counters, NEW ROOF, NEW hot water heater, NEW plumbing - all the way to the road!, NEW electric and more. No surface was left untouched. No maintenance headaches with this home. Call today to see for yourself. Everyone says, 'they don't make them like that anymore!' It's true for houses too. Don't get a cheap and flimsy new build. Choose renovated and get a structure that has held up to time and now has been improved and restored - even better than brand new!

Cost to own

Mortgage calculator

Home Price

$209,900

Down Payment: 20%

$41,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,082

Principal & Interest: $1,082

Property taxes (est.): $343

Insurance (est.): $140

Estimated Total Monthly

$1,565

*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$1,082

Property taxesest. at asking price, Duval County$343

Estimated total, before insurance$1,425/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,791/yr · $149/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

Year	Market value	Taxable value	Change
2025	$79,302	$79,302	—
2024	$53,867	$47,570	—
2023	$50,909	$43,246	—
2022	$45,309	$39,315	—
2021	$36,607	$35,741	—
2020	$32,492	$32,492	—

2025 property taxes (current owner): $1,791/yr

Estimated taxes if purchased at asking price: ~$4,100/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 (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 1940)

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: ~1,408 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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