This home is in Ortega, Jacksonville.
Sold·Closed Jun 9, 2026·40 days on market·Recent sales in Ortega·Ortega
3912 Baltic Street
Jacksonville, FL 32210
12 more homes for sale in Ortega →Search Ortega on the map
About this home
Ortega
Incredible opportunity to own right in the heart of Ortega. Priced for new owners to make their own upgrades and still be sitting on tons of equity. All reasonable offers will be considered. Whether you choose to update now or enjoy it as-is, the value is undeniable. Location doesn't get much better: top-rated public and private schools are right down the street and the best parks that Ortega has to offer are within walking distance. This 3 bdrm home offers the perfect blend of privacy, and character. Spanning nearly 1,400 square feet, the home features a spacious backyard framed by beautiful mature trees, creating a peaceful retreat ideal for relaxing or entertaining. Original hardwood floors lie beneath the current flooring, waiting to be restored to their former glory, and a brand new AC (just one year old) means the big-ticket items are already handled. If you've been looking for an affordable home to make your own this is the one for you
Next steps in Ortega
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.
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 1947)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,554 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 homeThis 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $289,300 | $0 | — |
| 2024 | $15,600 | $15,101 | — |
| 2024 | $266,780 | $0 | ▲ $9,188 |
| 2023 | $15,600 | $13,728 | — |
| 2023 | $262,104 | $0 | — |
| 2022 | $12,480 | $12,480 | — |
| 2022 | $231,936 | $0 | — |
| 2021 | $9,600 | $9,600 | — |
| 2021 | $181,755 | $0 | — |
| 2020 | $34,538 | $2,210 | — |
| 2020 | $178,395 | $9,494 | — |
2025 property taxes (current owner): $846/yr
Estimated taxes if purchased at asking price: ~$4,900/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.
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 $257/sq ft; this home is listed at $251/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4313 Hiawatha Street, Jacksonville, FL 32210Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $355,000 | $228 | 3/1.5 | 1,556 | 66 | 0.6 |
| 2721 Algonquin Avenue, Jacksonville, FL 32210Listed by KELLER WILLIAMS ST JOHNS | Oct 2026 | $455,000 | $307 | 3/2 | 1,482 | 32 | 0.7 |
| 4531 Milstead Road, Jacksonville, FL 32210Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $330,000 | $257 | 3/2 | 1,284 | 106 | 1.2 |
| 4511 Cambridge Road, Jacksonville, FL 32210Listed by COWFORD REALTY & DESIGN LLC | Oct 2026 | $210,000 | $189 | 2/1 | 1,110 | 34 | 1.3 |
| 1692 Pershing Road, Jacksonville, FL 32205Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Sep 2026 | $415,000 | $244 | 3/2.5 | 1,698 | 4 | 1.3 |
| 3878 Boone Park Avenue, Jacksonville, FL 32205Listed by WATSON REALTY CORP | Sep 2026 | $390,000 | $340 | 3/2 | 1,148 | 93 | 1.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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.
The neighborhood
About Ortega
Ortega is a neighborhood in Jacksonville, FL (Duval County), ZIP 32210.
View all Ortega homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 9, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines