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Active

Active·162 days on market

2949 Ernest Street

Jacksonville, FL 32205

$235,000$232/sqftEst. $1,207/moMLS# 2135102

Beds

Baths

1,014

Sq Ft

1961

Built

—

Garage

Pool

About this home

Jacksonville

Fully Renovated Duplex! Turnkey Investment Opportunity! This renovated duplex is the perfect addition to any investment portfolio. Each unit features 1 bedroom and 1 bathroom, offering comfortable and modern living spaces. The property has been completely updated with numerous upgrades, including a newer roof, tankless water heaters, new cabinets, modern countertops, new drywall, fresh interior paint, updated plumbing, new windows, and brand new HVAC systems. Each unit also includes washer and dryer hookups and access to a private backyard, adding extra convenience and outdoor space for tenants. With all major systems recently upgraded, this move in ready duplex offers low maintenance and excellent rental potential. Perfect for an investor or someone looking to live in one half and rent out the other half! Must see today

Cost to own

Mortgage calculator

Home Price

$235,000

Down Payment: 20%

$47,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,207

Principal & Interest: $1,207

Property taxes (est.): $384

Insurance (est.): $157

Estimated Total Monthly

$1,747

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,207

Property taxesest. at asking price, Duval County$384

Estimated total, before insurance$1,591/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$132,327	$70,739	—
2024	$184,041	$64,309	—
2023	$184,041	$58,463	—
2022	$118,638	$53,149	—
2021	$95,823	$48,318	▲ $19,773
2020	$76,050	$43,926	—

Estimated taxes if purchased at asking price: ~$4,600/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1961)

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: ~1,252 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