Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville — a pool home in Jacksonville.

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Active

Active·129 days on market

2160 Oak Street

Jacksonville, FL 32204

$835,000$145/sqftEst. $4,257/moMLS# 2136923

Beds

Baths

5,750

Sq Ft

1904

Built

—

Garage

Yes

Pool

About this home

Jacksonville

**OPEN HOUSE SUNDAY 8/02 FROM 11am-1pm** Welcome to The Frogmore, a timeless 1904 historic estate where rich character and thoughtful renovation come together in one extraordinary home. From the moment you arrive, you're greeted by classic architectural details that have stood the test of time--original hardwood floors, soaring ceilings, five fireplaces, and two grand staircases that speak to the home's storied past. Every corner offers a sense of history, beautifully preserved and seamlessly enhanced for modern living. At the heart of the home, a custom renovated kitchen blends form and function with curated finishes, opening to a charming butler's pantry--perfect for entertaining and everyday ease. Endless cabinet storage, lovely countertops, multiple dishwashers, refrigerators, double ovens, a wine fridge and so much more make this every chef's dream!

Cost to own

Mortgage calculator

Home Price

$835,000

Down Payment: 20%

$167,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,257

Principal & Interest: $4,257

Property taxes (est.): $1,363

Insurance (est.): $557

Estimated Total Monthly

$6,178

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$4,257

Property taxesest. at asking price, Duval County$1,363

Estimated total, before insurance$5,621/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,160/yr · $347/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$964,161	$201,931	▲ $40,027
2024	$925,643	$195,533	▼ $1,357
2023	$932,379	$188,382	▼ $59,003
2022	$945,967	$181,439	▲ $119,968
2021	$711,459	$174,699	—
2020	$692,234	$171,597	—

2025 property taxes (current owner): $4,160/yr

Estimated taxes if purchased at asking price: ~$16,400/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1904)

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: ~1,739 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

As 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.

History

Price & status history

Jul 21, 2026Price change$835,000−$64,000
Jul 8, 2026Price change$899,000−$51,000
Mar 26, 2026Listed$950,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$835,000

Price / Sq Ft$145

Bedrooms5

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage5,750

Acres0.29 acres

Year Built1904

TypeResidential

Sub-TypeSingle Family Residence

StyleHistoric

StatusActive

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontNo

Community Information

Address2160 Oak Street, Jacksonville, FL 32204

Area031-Riverside

SubdivisionRiverside

CityJacksonville

CountyDuval

StateFL

Zip Code32204

Lot Size12,632.4 sq ft

Parcel Number0906730000

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available

Water SourcePublic

ParkingOff Street

Interior

Interior FeaturesBuilt-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s), Wine Cellar

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Range, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces5

Fireplace FeaturesWood Burning

# of Stories4

LevelsThree Or More

LaundryUpper Level