This home is in Jacksonville.

1 / 50

Active

Active·149 days on market

400 E Bay Street 1706

Jacksonville, FL 32202

$589,000$327/sqftEst. $3,003/moMLS# 2131761

Beds

Baths

1,800

Sq Ft

2003

Built

—

Garage

Pool

About this home

Jacksonville

SHOWS LIKE A MODEL! Beautifully updated 3BR/2BA RIVERFRONT condo at The Berkman Plaza with superior views of the majestic St. Johns River. Residence features wood floors, a renovated kitchen, and updated bathrooms, creating a bright, modern feel with stunning waterfront scenery. Located in the heart of downtown Jacksonville! LOCATION! Walk to museums, The NEW Four Seasons Hotel & residences, parks, offices, restaurants, nightlife, sporting events, concerts, and more! The Berkman Plaza is known for its 5-star amenities including 24/7 front desk concierge, on-site management and maintenance, newly renovated fitness center, sauna, steam room, pool, outdoor summer kitchen w/BBQ, ,tennis/pickleball, squash and racquetball courts, business center, library, dog park, guest suite, wine cellar, and 21st-floor concierge lounge. Most utilities included). Boat slips available at the marina right in your backyard. DOWNTOWN IS FLOURISHING! HURRY AND MOVE IN BEFORE PRICING DOUBLES!

Cost to own

Mortgage calculator

Home Price

$589,000

Down Payment: 20%

$117,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,003

Principal & Interest: $3,003

Property taxes (est.): $962

Insurance (est.): $393

Estimated Total Monthly

$4,358

*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$3,003

Property taxesest. at asking price, Duval County$962

HOAbilled monthly$1,600

Estimated total, before insurance$5,564/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,975/yr · $581/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	$512,400	$382,296	▲ $64,050
2024	$448,350	$370,815	—
2023	$448,350	$358,559	—

2025 property taxes (current owner): $6,975/yr

Estimated taxes if purchased at asking price: ~$11,500/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Other — 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: ~1,649 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 24, 2026Listed$589,000

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

Features

Price$589,000

Price / Sq Ft$327

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,800

Year Built2003

TypeResidential

Sub-TypeCondominium

StyleOther

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontYes

Direction FacesNorth

Community Information

Address400 E Bay Street 1706, Jacksonville, FL 32202

Area073-Downtown Jacksonville-Northbank

SubdivisionThe Plaza Condominium At Berkman

CityJacksonville

CountyDuval

StateFL

Zip Code32202

Parcel Number0733490364

ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Dog Park, Elevator(s), Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management- On Site, Park, Pickleball, Security, Tennis Court(s), Trash, Water

UtilitiesCable Available, Electricity Connected, Water Connected

Water SourcePublic

ParkingAssigned, Community Structure, Covered

ViewCity, Marina, River

Waterfront TypeRiver Access, River Front