This home is in Jacksonville.

1 / 61

Active Under Contract

Active Under Contract·142 days on market

2257 Ernest Street

Jacksonville, FL 32204

$675,000$270/sqftEst. $3,431/moMLS# 2132244

Beds

Baths

2,500

Sq Ft

1924

Built

Garage

Pool

About this home

Jacksonville

This restored bungalow in historic Riverside offers a rare opportunity to steward a home that has been held by the same family for four generations. This is the first time it has ever been offered to the public. Over the past eleven years, the current owner has completed a comprehensive restoration, taking the home to the studs and rebuilding it with extraordinary care. Every decision reflects a respect for craftsmanship and structural integrity. The broad front porch sets the tone, anchored by two distinctive coquina block planters. The coquina foundation wall and chimney carry quiet historical significance, tying the home to a material deeply rooted in Florida's architectural story. A porch swing and custom 2½-inch Schedule 40 handrails on the staircases add both presence and permanence. Inside, the 2,500 square feet of living space is beautifully proportioned and thoughtfully arranged. The main level offers two bedrooms, a dedicated office, and two full bathrooms.

Cost to own

Mortgage calculator

Home Price

$675,000

Down Payment: 20%

$135,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,431

Principal & Interest: $3,431

Est. Taxes & Insurance: $858

Estimated Total Monthly

$4,289

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$3,431

Property taxesest. at asking price, Duval County$1,102

Estimated total, before insurance$4,533/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$420,925	$172,821	—
2024	$391,736	$167,243	▼ $564
2023	$406,459	$160,916	▲ $256,907
2022	$129,276	$42,883	—
2021	$122,084	$40,178	▲ $1,202
2020	$118,974	$38,933	—

2025 property taxes (current owner): $3,613/yr

Estimated taxes if purchased at asking price: ~$13,200/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: Shingle — year not disclosed (home built 1924)

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: ~1,749 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