This home is in Jacksonville.

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Active

Active·135 days on market

400 Bay Street 206

Jacksonville, FL 32202

$395,000$219/sqftEst. $2,014/moMLS# 2134155

Beds

Baths

1,800

Sq Ft

2003

Built

Garage

Pool

About this home

Jacksonville

Outstanding opportunity for owner-occupants or investors!! Enjoy luxury riverfront living in this beautifully appointed 3BR/2BA condo at Berkman Plaza in Downtown Jacksonville. Offering 1,800 SF, this second-floor residence combines spacious living with the added convenience of easy access. Features include hardwood floors, a fireplace, and three private balconies to enjoy sweeping views of Downtown Jacksonville, the St. Johns River, and the Shipyards. The well-designed floor plan offers comfort and style, while the rare inclusion of three parking spaces adds exceptional value and convenience. A unique opportunity to own a waterfront condo in one of Jacksonville's premier high-rise communities. The building offers 24 hour concierge, pool, fitness center, sauna, access to the guest suite, 21st floor lounge, and tennis courts. HOA includes internet, water, sewer, maintenance, trash, security, & insurance

Cost to own

Mortgage calculator

Home Price

$395,000

Down Payment: 20%

$79,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,014

Principal & Interest: $2,014

Property taxes (est.): $645

Insurance (est.): $263

Estimated Total Monthly

$2,922

*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$2,014

Property taxesest. at asking price, Duval County$645

HOAbilled monthly$1,600

Estimated total, before insurance$4,258/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,235/yr · $520/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	$488,000	$340,573	▲ $61,000
2024	$427,000	$330,268	—
2023	$427,000	$319,193	—
2022	$360,600	$308,440	—
2021	$348,000	$298,000	▲ $26,750
2020	$343,200	$293,200	▲ $14,300

2025 property taxes (current owner): $6,235/yr

Estimated taxes if purchased at asking price: ~$7,700/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: material not specified — 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

Mar 10, 2026Listed$395,000

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

Features

Price$395,000

Price / Sq Ft$219

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,800

Year Built2003

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesSouth

School Information

ElementaryLong Branch

MiddleMatthew Gilbert

HighWilliam M. Raines

Community Information

Address400 Bay Street 206, Jacksonville, FL 32202

Area073-Downtown Jacksonville-Northbank

SubdivisionThe Plaza Condominium At Berkman

CityJacksonville

CountyDuval

StateFL

Zip Code32202

Parcel Number0733490068

ZoningCondominium

Amenities

AmenitiesPool, Dog Park, Elevator(s), Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management - Full Time, Sauna, Security, Spa/Hot Tub, Storage, Trash, Water

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Covered, Garage, Gated, Guest

ViewBridge(s), City, Marina, Pool, River, Water

Waterfront TypeNavigable Water, River Front

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Elevator, Entrance Foyer, Guest Suite, Pantry, Primary Bathroom -Tub with Separate Shower

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingElectric

CoolingCentral Air

FlooringLaminate, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

Security24 Hour Security, Closed Circuit Camera(s), Entry Phone/Intercom, Fire Alarm, Fire Sprinkler System, Key Card Entry, Secured Elevator, Secured Lobby, Security Fence, Security Gate, Smoke Detector(s)

Spa FeaturesIn Ground