This home is in Jacksonville.

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Active

Active·112 days on market

1222 Clark Street

Jacksonville, FL 32206

$219,900$109/sqftEst. $1,170/moMLS# 2136764

Beds

Baths

2,024

Sq Ft

1911

Built

—

Garage

Pool

About this home

Jacksonville

Income-producing duplex in Historic Springfield offering flexibility, character, and long-term potential. Unit 1222 is an upstairs 3BR/1BA leased month-to-month at $1,179/month, while Unit 1224 is a vacant 2BR/1BA downstairs--ideal for lease-up or owner occupancy. Separately metered units with private entrances allow for straightforward management, and a new roof in 2025 helps reduce near-term capital expenses. The property offers solid rental performance with opportunity to add value through updates and improvements. Large fenced backyard adds usable outdoor space and tenant appeal. Located minutes from Downtown Jacksonville, dining, parks, and local amenities. Situated in one of Jacksonville's most evolving neighborhoods, Historic Springfield, known for its historic charm and continued revitalization with ongoing investment and redevelopment nearby. Strong opportunity for investors or owner-occupants to build equity and offset housing costs. Seller financing options available.

Cost to own

Mortgage calculator

Home Price

$219,900

Down Payment: 20%

$43,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,118

Principal & Interest: $1,118

Est. Taxes & Insurance: $279

Estimated Total Monthly

$1,397

*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$1,170

Property taxesest. at asking price, Duval County$359

Estimated total, before insurance$1,529/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

Year	Market value	Taxable value	Change
2025	$173,170	$173,170	—
2024	$159,989	$159,989	—
2023	$172,830	$169,793	—
2022	$154,358	$154,358	—
2021	$62,849	$62,393	—
2020	$56,721	$56,721	—

2025 property taxes (current owner): $3,779/yr

Estimated taxes if purchased at asking price: ~$4,300/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,734 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

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