This home is in Jacksonville.

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Active

Active·129 days on market

3112 Thomas Street

Jacksonville, FL 32254

$130,000$193/sqftEst. $692/moMLS# 2134064

Beds

Baths

672

Sq Ft

1946

Built

Garage

Pool

About this home

Jacksonville

**Huge Income Potential in a Prime Location!** **Perfect Bungalow setup for Homeowners who like to entertain!*** New Permitted Roof (2026). Located in a stable, rapidly growing neighborhood, this property is perfect for investors or as a primary residence. Recent upgrades include a remodeled bath, updated vinyl plank flooring, fresh interior paint, and new kitchen counters. While it needs some TLC, a little creativity could transform this home into a modern masterpiece or a lucrative rental. The seller offers a credit toward the garage roof repair with a full-price offer--ideal for converting the garage into a studio for additional income. Previously rented for $1150/month, with an additional $600+ from a garage conversion. With a large carport and spacious paved backyard, this property is a **HUGE CASH FLOW OPPORTUNITY!**

Cost to own

Mortgage calculator

Home Price

$130,000

Down Payment: 20%

$26,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$661

Principal & Interest: $661

Est. Taxes & Insurance: $165

Estimated Total Monthly

$826

*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 · 7.0% · 30yr$692

Property taxesest. at asking price, Duval County$212

Estimated total, before insurance$904/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	$76,225	$75,431	—
2024	$68,777	$68,574	▲ $8,818
2023	$62,340	$62,340	—
2022	$59,569	$59,569	—
2021	$43,449	$43,449	▲ $9,394
2020	$33,034	$28,943	▲ $796

2025 property taxes (current owner): $1,727/yr

Estimated taxes if purchased at asking price: ~$2,500/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,538 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History