This home is in San Marco, Jacksonville.

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Active·126 days on market·San Marco

1266 Belmont Terrace

Jacksonville, FL 32207

$698,700$351/sqftEst. $3,719/moMLS# 2134689

Beds

Baths

1,992

Sq Ft

1936

Built

Garage

Pool

About this home

San Marco

Located in the heart of San Marco just steps from San Marco Square, this beautifully updated historic home blends timeless character w/ modern upgrades in one of Jacksonville's most walkable neighborhoods. The classic brick home features hardwood floors, elegant archways, crown molding, & a cozy wood-burning fireplace. Recent updates include a new roof (2023), new upstairs HVAC (2026), updated kitchen (2023), upgraded flooring (2023), fresh interior paint (2023), & new microwave (2023). Additional improvements include spray foam insulation (2024), a new water heater (2024), a new exterior upstairs door (2024), & a new refrigerator (2024), landscaping refreshed in 2025 to enhance curb appeal. The lot also offers a double driveway & a separate two-car garage for ample parking & storage. Situated on a double lot, the spacious backyard provides room to add a pool & create your own private outdoor retreat. Enjoy living steps San Marco's renowned dining, shopping, parks, & riverfront Jax.

Cost to own

Mortgage calculator

Home Price

$698,700

Down Payment: 20%

$139,740

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,551

Principal & Interest: $3,551

Est. Taxes & Insurance: $888

Estimated Total Monthly

$4,439

*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$3,719

Property taxesest. at asking price, Duval County$1,141

Estimated total, before insurance$4,860/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

2025 property taxes (current owner): $7,661/yr

Estimated taxes if purchased at asking price: ~$13,700/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, 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 — 2023 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: ~1,642 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