This home is in Jacksonville.
Sold·Closed Oct 16, 2026·160 days on market·Recent sales in Over 55 & Active Adult
400 Bay Street 404
Jacksonville, FL 32202
About this home
Jacksonville
Explore this condominium located on the fourth floor of the Berkman Plaza. This unit features a split floor plan with refinished wood floors, new interior paint, a living room with a fireplace, separate dining area, an open kitchen with stainless steel appliances and granite countertops, and rear patio views of downtown Jacksonville, Florida. This is a Fannie Mae HomePath property. First-time buyers, complete the HomePath Ready Buyer homeownership course on HomePath. Attach certificate to offer up to 3% closing cost assistance. Check HomePath for more details. Restrictions apply.
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).
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: ~1,620 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, league fields and grocery store from this home's location.
Closest beach parking
Atlantic Beach 19th Street lotabout 15 mi · 14 parking spaces
Closest park or preserve
Reddie Point Preserveabout 5 mi · 1.2 mi of trails
Closest public boat ramp
Arlington Road Public Boat Rampabout 3 mi · St. Johns River
Closest kayak & paddleboard launch
Bee Street Park – Paddlecraft Accessabout 0.9 mi · Saint Johns River
Closest youth league fields
Robert F. Kennedy Park and Community Centerabout 0.9 mi · Basketball
Closest grocery store
Aldiabout 0.4 mi · 777 North Market Street, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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: $314,900 in March 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $242,000 | $242,000 | ▼ $19,500 |
| 2024 | $261,500 | $261,500 | — |
| 2023 | $261,500 | $261,500 | — |
| 2022 | $223,000 | $160,126 | — |
| 2021 | $215,500 | $154,006 | ▲ $24,500 |
| 2020 | $212,500 | $151,190 | — |
2025 property taxes (current owner): $4,610/yr
Estimated taxes if purchased at asking price: ~$4,300/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 19, 2026Closed$215,000
- Aug 17, 2026Pending$215,000
- Aug 14, 2026Active Under Contract$215,000
- Aug 7, 2026Price change$215,000−$10,000
- Jul 9, 2026Price change$225,000−$5,000
- Mar 10, 2026Listed$230,000
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 $237/sq ft; this home is listed at $161/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 400 E Bay Street 1910, Jacksonville, FL 32202Listed by EGI REAL ESTATE | Oct 2026 | $405,000 | $368 | 1/1 | 1,100 | 14 | 0 |
| 400 E Bay Street 1710, Jacksonville, FL 32202Listed by EGI REAL ESTATE | Oct 2026 | $399,900 | $364 | 1/1 | 1,100 | 0 | 0 |
| 400 E Bay Street 805, Jacksonville, FL 32202Listed by EGI REAL ESTATE | Sep 2026 | $260,000 | $177 | 2/2 | 1,473 | 64 | 0 |
| 400 E Bay Street 1005, Jacksonville, FL 32202Listed by OAKLEAF EQUITY INC | Aug 2026 | $213,000 | $145 | 2/2 | 1,473 | 8 | 0 |
| 400 E Bay Street 1701, Jacksonville, FL 32202Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $227,000 | $237 | 1/1 | 959 | 62 | 0 |
| 400 E Bay Street 1201, Jacksonville, FL 32202Listed by EGI REAL ESTATE | May 2026 | $224,000 | $233 | 1/1.5 | 960 | 32 | 0 |
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: CORE REALTY, LLC
Sold by: EGI REAL ESTATE (buyer's brokerage)
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.
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Krista Fracke
Broker Associate
This home sold on Oct 16, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
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