This home is in Springfield, Jacksonville.
Active·44 days on market·Springfield
131 Cottage Avenue
Jacksonville, FL 32206
51 more homes for sale in Springfield →Search Springfield on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Springfield
NEW FLOORING THROUGHOUT. Seller is motivated and welcomes serious offers. Tenant recently vacated and easy to show. Live in the heart of Historic Springfield in this beautifully updated 3-bedroom, 2.5-bath home that blends classic charm with modern style. This thoughtfully redesigned single-story residence offers a bright, open layout with abundant natural light, hardwood and tile flooring throughout, and contemporary finishes at every turn. The kitchen is a true standout, featuring sleek quartz countertops, stainless steel appliances, refreshed cabinetry, and plenty of prep and storage space. Outside, you'll find off-street parking and a generously sized, fully fenced backyard--perfect for relaxing, entertaining, or giving pets room to roam. Located just minutes from Downtown Jacksonville and within walking distance to popular restaurants, shops, and nightlife, this home offers both character and convenience. Easy access to public transportation. Schedule your private tour tod
Next steps in Springfield
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 1922)
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: ~1,676 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
Kathryn Abbey Hanna Park (10 & 11)37 min drive · 200 parking spaces
Closest park or preserve
Reddie Point Preserve20 min drive · 1.2 mi of trails
Closest public boat ramp
Arlington Road Public Boat Rampabout 3 mi · St. Johns River
Closest kayak & paddleboard launch
Chelsea Street Kayak Access at McCoy Creekabout 2 mi · McCoy's Creek
Closest youth league fields
Emmett Reed Park and Community Center7 min drive · Basketball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
Last sold: $190,000 in October 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $252,124 | $252,124 | ▲ $72,711 |
| 2024 | $161,338 | $161,338 | — |
| 2023 | $157,442 | $140,723 | — |
| 2022 | $139,680 | $127,930 | — |
| 2021 | $116,300 | $116,300 | — |
| 2020 | $105,135 | $24,500 | — |
2025 property taxes (current owner): $4,857/yr
Estimated taxes if purchased at asking price: ~$7,500/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.
History
Price & status history
- Oct 12, 2026Price change$385,000+$5,000
- Oct 11, 2026Price change$380,000−$19,999
- Mar 2, 2026Listed$399,999
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $231/sq ft; this home is listed at $248/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 321 W 10th Street, Jacksonville, FL 32206Listed by BELLE EPOQUE REALTY SERVICES LLC | Oct 2026 | $455,787 | $253 | 3/2.5 | 1,800 | 0 | 0.2 |
| 137 W 23rd Street, Jacksonville, FL 32206Listed by BETTER HOMES AND GARDENS LIFESTYLES REALTY | Oct 2026 | $215,012 | $187 | 3/2 | 1,152 | 0 | 0.6 |
| 408 W 23rd Street, Jacksonville, FL 32206Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $190,000 | $127 | 3/2 | 1,498 | 75 | 0.6 |
| 135 E 4th Street, Jacksonville, FL 32206Listed by 1 REALTY CORP | Aug 2026 | $425,000 | $231 | 4/3.5 | 1,842 | 12 | 0.7 |
| 1132 N Market Street, Jacksonville, FL 32206Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $499,000 | $322 | 3/2.5 | 1,552 | 3 | 0.9 |
| 706 5th Street E, Jacksonville, FL 32206Listed by BETTER HOMES AND GARDENS LIFESTYLES REALTY | Sep 2026 | $220,020 | $171 | 3/2.5 | 1,284 | 0 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Springfield
Springfield is a neighborhood in Jacksonville, FL (Duval County), ZIP 32206.
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Your Local Realtor
Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines