This home is in Jacksonville.
Active·112 days on market
3675 Oak Street
Jacksonville, FL 32205
About this home
Jacksonville
*OPEN HOUSE*PRICE REDUCTION*LAST CHANGE*UPDATED DESCRIPTION* Listed only until July 25th. Don't miss this updated Avondale haven. Walkable lifestyle in Avondale near Boone Park and top dining. New roof, updated systems, and charm you simply can't replicate-don't miss this opportunity to make it yours. Discover timeless charm and modern comfort in this beautifully preserved 1926 Avondale bungalow in Jacksonville, FL, ideally located just steps from Boone Park and the vibrant St. Johns Avenue dining district. This move-in ready historic home offers the perfect blend of character, location, and modern upgrades in one of Jacksonville's most desirable walkable neighborhoods. From the moment you step inside, the home welcomes you with warm natural light, original hardwood floors, and classic architectural details, all anchored by a cozy coal-burning fireplace that creates an inviting and comfortable living space. The thoughtfully designed interior offers a seamless blend of character and
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $310,000 | $259,278 | — |
| 2024 | $322,738 | $251,746 | ▲ $9,477 |
| 2023 | $320,469 | $242,958 | ▲ $29,241 |
| 2022 | $284,426 | $234,426 | — |
| 2021 | $217,994 | $185,622 | — |
| 2020 | $168,748 | $168,748 | — |
2025 property taxes (current owner): $5,117/yr
Estimated taxes if purchased at asking price: ~$8,100/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 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: ~1,687 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 homeInformational 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
Price & status history
- Jul 10, 2026Price change$415,000−$2,900
- Mar 26, 2026Listed$417,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HOUSE & HAVEN
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines