This home is in San Marco, Jacksonville.

1 / 67

Active

Active·119 days on market·San Marco

1528 Belmonte Avenue

Jacksonville, FL 32207

$475,000$318/sqftEst. $2,528/moMLS# 2135613

Beds

Baths

1,494

Sq Ft

1939

Built

—

Garage

Pool

About this home

San Marco

Welcome to this move-in ready San Marco gem, where historic charm meets modern convenience in one of Jacksonville's most sought-after and walkable neighborhoods. Featuring updated interiors, flexible bonus space, a private oversized backyard, and a host of valuable upgrades, this home offers a rare opportunity to enjoy the best of San Marco living. Inside, you'll find a bright and inviting floor plan filled with natural light and timeless character. The spacious living room flows seamlessly into a sun-drenched sunroom, creating the perfect space for a home office, reading nook, playroom, or additional lounge area. A formal dining room connects effortlessly to the kitchen, making everyday living and entertaining a breeze.

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,414

Principal & Interest: $2,414

Est. Taxes & Insurance: $604

Estimated Total Monthly

$3,018

*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$2,528

Property taxesest. at asking price, Duval County$776

Estimated total, before insurance$3,304/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

Last sold: $425,000 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$387,376	$294,774	▼ $12,822
2024	$400,524	$285,759	▲ $15,587
2023	$333,108	$333,108	▲ $6,460
2022	$319,707	$210,220	—
2021	$267,850	$202,641	—
2020	$249,153	$199,153	▲ $4,775

2025 property taxes (current owner): $5,777/yr

Estimated taxes if purchased at asking price: ~$9,300/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 1939)

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: ~1,403 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

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