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Sold

Sold·Closed May 13, 2026·20 days on market

475 Main Street S

Baldwin, FL 32234

$259,900sold priceListed at $259,900 · 100% of asking$216/sqftMLS# 2135948
3
Beds
2
Baths
1,205
Sq Ft
2026
Built
2
Garage
No
Pool
No HOA15,246 sqft lotSingle Family Residence1 storyNew construction

About this home

Baldwin

**NEW BUILD**EVERYTHING NEW**NO HOA/CDD** Experience a quiet, rural lifestyle in this AFFORDABLE, NEW CONSTRUCTION home located in the historic transportation hub of Baldwin. The OPEN FLOOR PLAN features a seamless living area, dining area, and kitchen, creating a bright and welcoming atmosphere with lots of light throughout. You'll find stylish woodlike flooring in the main spaces for easy cleaning, while plush carpeting in the bedrooms provides comfort. The modern kitchen boasts a spacious food prep island, BRAND NEW APPLIANCES, sleek white cabinetry, and granite countertops throughout. A large laundry room conveniently connects the kitchen to the 2-car garage. Retreat to the master suite, which offers a walk-in closet and dual vanities for a spa-like feel. Enjoy the peace of the countryside with easy access to 301 for a quick commute. Plus, you're minutes from shopping, dining, and outdoor fun at the Jacksonville-Baldwin Rail-Trail! Don't miss out - schedule your showing today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,440
Property taxesest. at asking price, Duval County$424
Estimated total, before insurance$1,864/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$554/yr · $46/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$259,900
$51,980
Loan Term
Monthly Payment
$1,440
Principal & Interest: $1,440
Property taxes (est.): $424
Insurance (est.): $173
Estimated Total Monthly
$2,037
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,610 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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $554/yr

Estimated taxes if purchased at asking price: ~$5,100/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, NEFMLS.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $187/sq ft; this home is listed at $216/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
618 W Oliver Street, Baldwin, FL 32234Listed by EXP REALTY LLCMar 2026$207,500$1873/21,112560.2
538 Boykins Lane, Baldwin, FL 32234Listed by TOP SOURCE REALTY LLCJun 2026$125,000$1303/1960250.3
123 Orange Avenue, Baldwin, FL 32234Listed by SHOE REALTY INCMay 2025$230,000$2023/21,14050.4
159 Gold Street E, Baldwin, FL 32234Listed by FRONT PORCH REALTYJan 2026$156,000$1593/1980480.5
367 Orange Avenue, Baldwin, FL 32234Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYAug 2025$230,000$1843/11,248790.5
594 Cedar Avenue, Baldwin, FL 32234Listed by REAL BROKER LLCSep 2026$289,000$2063/21,400150.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$259,900
Price / Sq Ft$216
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,205
Acres0.35 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionTo Be Built
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryMamie Agnes Jones
HighBaldwin

Community Information

Address475 Main Street S, Baldwin, FL 32234
Area081-Marietta/Whitehouse/Baldwin/Garden St
SubdivisionBaldwin
CityBaldwin
CountyDuval
StateFL
Zip Code32234
Lot Size15,246 sq ft
Parcel Number0005460000
ZoningResidential

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchPatio
RoofShingle
ConstructionFiber Cement

Additional Information

Date ListedMarch 20, 2026
Days on Market20
Tax Amount$553.74
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: CHAD AND SANDY REAL ESTATE GROUP

Sold by: MILITARY REALTY INC (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 13, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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