This home is in Jacksonville.

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Active

Active·130 days on market

400 E Bay Street 310

Jacksonville, FL 32202

$404,500$368/sqftEst. $2,062/moMLS# 2135047

Beds

Baths

1,100

Sq Ft

2003

Built

Garage

Pool

About this home

Jacksonville

Fantastic condo with spanning RIVER VIEWS from all rooms. Works as 2-bedroom or 1+Den. Newer wood floors & grey-painted interiors. Expansive terrace / balcony! Large kitchen featuring tiled backsplash, granite counters, pantry, custom lighting and newer stainless appliances. Master Suite has WIC with custom built-ins and highly upgraded bath. Custom shelving & French doors in 2nd bedroom/Den. New roller blinds & dedicated laundry room. Enjoy a resort lifestyle at The Plaza, located on the River in downtown Jacksonville. Walk to offices, museums, restaurants, Jaguar games, Jumbo Shrimp games, Icemen hockey and 5 concert venues. Squash court, tennis & pickle ball courts, 24/7 Concierge, sun soaked pool, outdoor kitchen & gas grills, Swedish sauna, steam room, newly renovated fitness ctr, business ctr, guest suite, wine lockers & 21st Floor Riverview Lounge for entertaining. Slips available at adjacent Plaza Marina. ** Furniture shown is no longer present.

Cost to own

Mortgage calculator

Home Price

$404,500

Down Payment: 20%

$80,900

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,062

Principal & Interest: $2,062

Property taxes (est.): $661

Insurance (est.): $270

Estimated Total Monthly

$2,993

*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$2,062

Property taxesest. at asking price, Duval County$660

HOAbilled monthly$977

Estimated total, before insurance$3,700/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,731/yr · $561/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

Last sold: $429,900 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$357,000	$357,000	▲ $22,050
2024	$334,950	$334,950	—
2023	$334,950	$334,950	—
2022	$235,620	$235,620	—
2021	$228,690	$228,690	▲ $12,815
2020	$219,870	$113,264	▲ $9,161

2025 property taxes (current owner): $6,731/yr

Estimated taxes if purchased at asking price: ~$7,900/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.

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 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

Jul 21, 2026Price change$404,500−$5,000
Mar 15, 2026Listed$409,500

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

Features

Price$404,500

Price / Sq Ft$368

Bedrooms2

Bathrooms1.00

Full Baths1

Square Footage1,100

Year Built2003

TypeResidential

Sub-TypeCondominium

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

Direction FacesSouth

School Information

ElementaryLong Branch

MiddleMatthew Gilbert

HighStanton

Community Information

Address400 E Bay Street 310, Jacksonville, FL 32202

Area073-Downtown Jacksonville-Northbank

SubdivisionThe Plaza Condominium At Berkman

CityJacksonville

CountyDuval

StateFL

Zip Code32202

Parcel Number0733490098

ZoningPUD

Amenities

AmenitiesPool, Barbecue, Boat Dock, Boat Slip, Dog Park, Fitness Center, Jogging Path, Management - Full Time, Management- On Site, Sauna, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected, Other

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Attached, Community Structure, Gated, Guest

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

Waterfront TypeNavigable Water, Ocean Access, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringWood

# of Stories1

LevelsOne

LaundryIn Unit

SecurityClosed Circuit Camera(s), Entry Phone/Intercom, Fire Sprinkler System, Key Card Entry, Secured Elevator, Secured Lobby, Security Gate, Smoke Detector(s)