This home is in Jacksonville.
Active·191 days on market
4840 Colonial Avenue
Jacksonville, FL 32210
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Located in the established Lakeshore area of Jacksonville's Westside, this 3-bedroom, 1-bath home offers a strong opportunity for investors, renovators, or buyers looking to add value and make it their own. Set on a spacious, tree-lined lot, the property provides a peaceful setting with room to enhance both indoor and outdoor living. The home features a functional layout with a large living area with fireplace, original hardwood flooring, and a generously sized kitchen complete with granite countertops, custom cabinetry, and stainless steel appliances. A rear deck adds additional potential for outdoor enjoyment and entertaining. While updates are needed, the property offers solid fundamentals and upside potential. Conveniently located near major roadways, shopping, and dining, with no HOA. This property is subject to short sale approval. Property being sold as-is.
Next steps in Atlantic Beach
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, 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
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 1941)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Public water (record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,044 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 homeAs 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:20 AM, sunset 7:13 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $167,779 | $25,000 | — |
| 2024 | $164,537 | $25,000 | ▲ $4,264 |
| 2023 | $165,631 | $25,000 | ▲ $14,446 |
| 2022 | $146,041 | $25,000 | ▲ $13,315 |
| 2021 | $114,254 | $25,000 | — |
| 2020 | $111,366 | $25,000 | — |
2025 property taxes (current owner): $938/yr
Estimated taxes if purchased at asking price: ~$3,000/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.
History
Price & status history
- Sep 25, 2026Active$155,000
- Sep 17, 2026Active Under Contract$155,000
- Sep 2, 2026Price change$155,000−$5,000
- Aug 14, 2026Active$160,000
- Aug 7, 2026Active Under Contract$160,000
- Mar 23, 2026Listed$160,000
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: MOMENTUM REALTY
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.
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Krista Fracke
Broker Associate
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