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This home is in Jacksonville.

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Active Under Contract

Active Under Contract·143 days on market

3878 Boone Park Avenue

Jacksonville, FL 32205

$394,000$343/sqftEst. $2,028/moMLS# 2135182

Beds

Baths

1,148

Sq Ft

1926

Built

Garage

Pool

About this home

Jacksonville

Some homes check boxes. This one stops you at the front porch. Set in one of Jacksonville's most beloved historic neighborhoods, this 3BR/2BA Avondale bungalow has the bones you can't replicate -- original hardwood floors with timeless bungalow architecture. The updated kitchen and renovated bathrooms strike the balance that's so hard to find. Come home to a gas range, a tankless water heater that never runs cold, and a whole-house dehumidifier keeping things comfortable year-round. New HVAC system in 2020 was fully re-ducted and most plumbing and electrical updates are already done. With the seller replacing the roof with an acceptable offer, the big-ticket items are taken care of before you even move in. The heated and cooled 2-car garage is the wildcard that sets this property apart -- park, create, work from home, or explore an ADU conversion. A-rated Fishweir Elementary and the Shoppes of Avondale are only blocks away. Foundation Work completed 2026.

Cost to own

Mortgage calculator

Home Price

$394,000

Down Payment: 20%

$78,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,028

Principal & Interest: $2,028

Property taxes (est.): $643

Insurance (est.): $263

Estimated Total Monthly

$2,934

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,028

Property taxesest. at asking price, Duval County$643

Estimated total, before insurance$2,671/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,389/yr · $282/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	$327,850	$160,196	—
2024	$291,278	$154,974	▲ $5,724
2023	$293,927	$149,004	▲ $23,486
2022	$261,441	$143,208	—
2021	$228,706	$137,358	▲ $4,769
2020	$218,897	$134,772	—

2025 property taxes (current owner): $3,389/yr

Estimated taxes if purchased at asking price: ~$7,700/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 (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 D

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

Roof: Shingle — year not disclosed (home built 1926)

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: ~994 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