This home is in Jacksonville.

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Active

Active·160 days on market

400 E Bay Street 306

Jacksonville, FL 32202

$529,500$294/sqftEst. $2,700/moMLS# 2128421

Beds

Baths

1,800

Sq Ft

2003

Built

Garage

Pool

About this home

Jacksonville

Wake up to sweeping St. Johns River views in this rare third-floor luxury condo just moments from Jacksonville's premier waterfront district, including the iconic Four Seasons Hotel & Residences and EverBank Stadium, home of the Jacksonville Jaguars. This spacious 3BR/2.5BA residence offers effortless indoor-outdoor living with three private balconies--two overlooking the river and marina--perfect for morning coffee or sunset entertaining. Inside, the open-concept layout features a fully equipped kitchen with granite countertops and modern appliances, flowing into a bright living area with a cozy fireplace and surround sound. Separate dining and breakfast areas add flexibility, while spa-inspired baths with premium bidet fixtures enhance comfort. Residents enjoy gated security, 24-hour concierge service, and resort-style amenities including a pool and sundeck, rooftop tennis courts, and exclusive club amenities - delivering a true luxury lifestyle in the heart of Jacksonville.

Cost to own

Mortgage calculator

Home Price

$529,500

Down Payment: 20%

$105,900

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,700

Principal & Interest: $2,700

Property taxes (est.): $865

Insurance (est.): $353

Estimated Total Monthly

$3,917

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,700

Property taxesest. at asking price, Duval County$865

HOAbilled monthly$1,600

Estimated total, before insurance$5,164/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,948/yr · $746/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	$488,000	$469,700	▲ $61,000
2024	$427,000	$427,000	—
2023	$427,000	$396,660	—
2022	$360,600	$360,600	—
2021	$348,000	$348,000	▲ $26,750
2020	$343,200	$343,200	▲ $14,300

2025 property taxes (current owner): $8,948/yr

Estimated taxes if purchased at asking price: ~$10,400/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.

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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 2003)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,620 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

Price & status history

Feb 13, 2026Listed$529,500

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$529,500

Price / Sq Ft$294

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,800

Year Built2003

TypeResidential

Sub-TypeCondominium

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryLong Branch

MiddleMatthew Gilbert

HighStanton

Community Information

Address400 E Bay Street 306, Jacksonville, FL 32202

Area073-Downtown Jacksonville-Northbank

SubdivisionThe Plaza Condominium At Berkman

CityJacksonville

CountyDuval

StateFL

Zip Code32202

Parcel Number0733490090

ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Clubhouse, Dog Park, Elevator(s), Fitness Center, Maintenance Grounds, Management- On Site, Marina, Racquetball, Sauna, Security, Service Elevator(s), Tennis Court(s)

UtilitiesElectricity Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Assigned, Covered, Garage, Garage Door Opener, Gated, Guest

ViewBridge(s), City, Marina, River

Waterfront TypeRiver Front