This home is in Jacksonville.

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Active

Active·132 days on market

1224 Frederica Place

Jacksonville, FL 32205

$349,900$243/sqftEst. $1,778/moMLS# 2134068

Beds

Baths

1,442

Sq Ft

1922

Built

—

Garage

Pool

About this home

Jacksonville

Opportunity to own a beautifully updated home in the heart of highly desirable Riverside. This 3-bedroom, 3-bathroom property offers a flexible layout that is rarely found in the area. The home features inviting living spaces filled with natural light and spacious bedrooms that provide comfort and versatility. Major system updates were completed in 2022, including plumbing, electrical, and HVAC, providing peace of mind for the next owner. Ideally located just minutes from the vibrant King Street District, local restaurants, coffee shops, parks, and the St. Johns River. Whether you're searching for a primary residence or an investment opportunity, this property offers incredible potential in one of Jacksonville's most sought-after neighborhoods.

Cost to own

Mortgage calculator

Home Price

$349,900

Down Payment: 20%

$69,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,778

Principal & Interest: $1,778

Est. Taxes & Insurance: $445

Estimated Total Monthly

$2,223

*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$1,778

Property taxesest. at asking price, Duval County$571

Estimated total, before insurance$2,350/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	$234,773	$234,773	—
2024	$245,393	$245,393	▲ $96,906
2023	$145,253	$145,253	—
2022	$141,227	$141,227	▼ $79,988
2021	$186,203	$0	—
2020	$181,825	$0	—

2025 property taxes (current owner): $4,519/yr

Estimated taxes if purchased at asking price: ~$6,900/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 — 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: ~1,647 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