Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville.

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Active

Active·147 days on market

2720 Apache Avenue

Jacksonville, FL 32210

$360,000$462/sqftEst. $1,856/moMLS# 2134608

Beds

Baths

780

Sq Ft

1922

Built

Garage

Pool

About this home

Jacksonville

A gleaming metal roof crowns this delightful 1922 bungalow in the heart of Ortega, one of the city's most prestigious neighborhoods.Just a short stroll to the east, the scenic St.Johns River awaits offering mesmerizing sunsets over sparkling waters.This delightful home, with 9ft ceilings blends historic character with modern updates, including new windows that fill the space with natural light.The kitchen and bathroom feature stylish, contemporary finishes, while classic touches like a cozy covered front porch swing invite relaxation.Out back, enjoy evenings around the fire pit or summer BBQs on the private rear porch. A detached 1 car gar. with a spacious workshop sits tucked away in the back corner of the property, ideal for hobbies, storage, or creative projects.The front yard is beautifully framed by mature trees, a white picket fence, and sprawling jasmine vines. Low maintenance astro turf provides year round curb appeal with minimal upkeep.It's more than a home, it's a lifestyle.

Cost to own

Mortgage calculator

Home Price

$360,000

Down Payment: 20%

$72,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,856

Principal & Interest: $1,856

Property taxes (est.): $588

Insurance (est.): $240

Estimated Total Monthly

$2,684

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,856

Property taxesest. at asking price, Duval County$588

Estimated total, before insurance$2,444/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$903/yr · $75/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	$226,328	$25,000	—
2024	$205,850	$25,000	▲ $10,677
2023	$198,477	$25,000	—
2022	$183,345	$25,000	—
2021	$147,085	$25,000	—
2020	$132,365	$25,000	▲ $5,150

2025 property taxes (current owner): $903/yr

Estimated taxes if purchased at asking price: ~$7,100/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 C

Zone C evacuates after zones A, B in an approaching storm.

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: ~861 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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