This home is in Jacksonville.

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Active

Active·112 days on market

400 E Bay Street PH8

Jacksonville, FL 32202

$995,000$359/sqftEst. $5,073/moMLS# 2137930

Beds

Baths

2,768

Sq Ft

2003

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to the pinnacle of luxury living in the heart of Jacksonville! This extraordinary two-story corner penthouse condo boasts the largest balconies in the building with over 1,250 sq ft of patio space, offering breathtaking panoramic views of the St. Johns River and the vibrant downtown skyline. Inside, the residence features a spacious open-concept layout, expansive windows, and custom finishes throughout. The gourmet kitchen is equipped with premium appliances, custom cabinetry, and granite countertops, seamlessly flowing into the living and dining areas—perfect for both intimate evenings and grand entertaining. Entertain from the spacious wet bar equipped with a sink and brand-new beverage fridge. The primary suite is a serene retreat with river and city views, a spa-inspired bathroom, and a generous walk-in closet.

Cost to own

Mortgage calculator

Home Price

$995,000

Down Payment: 20%

$199,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,073

Principal & Interest: $5,073

Property taxes (est.): $1,625

Insurance (est.): $663

Estimated Total Monthly

$7,361

*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$5,073

Property taxesest. at asking price, Duval County$1,625

HOAbilled monthly$2,426

Estimated total, before insurance$9,123/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$12,406/yr · $1,034/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	$711,500	$707,818	▲ $30,500
2024	$681,000	$643,471	—
2023	$681,000	$584,974	—
2022	$681,000	$531,795	—
2021	$491,000	$483,450	—
2020	$439,500	$439,500	—

2024 property taxes (current owner): $12,406/yr

Estimated taxes if purchased at asking price: ~$19,500/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 2003)

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

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: ~1,649 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

Apr 1, 2026Listed$995,000

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

Features

Price$995,000

Price / Sq Ft$359

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,768

Year Built2003

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontYes

School Information

MiddleSelect One

Community Information

Address400 E Bay Street PH8, Jacksonville, FL 32202

Area073-Downtown Jacksonville-Northbank

SubdivisionThe Plaza Condominium At Berkman

CityJacksonville

CountyDuval

StateFL

Zip Code32202

Parcel Number0733490550

ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Clubhouse, Dog Park, Elevator(s), Fitness Center, Gated, Maintenance Grounds, Management - Full Time, Management- On Site, Park, Pickleball, Playground, Racquetball, Sauna, Security, Service Elevator(s), Tennis Court(s), Trash

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Covered, Garage, Gated, Guest

ViewBridge(s), City, River, Water

Waterfront TypeRiver Access

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s), Wet Bar

AppliancesOther, Dishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Washer/Dryer Stacked, Wine Cooler

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Multi Units

FlooringStone

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Security24 Hour Security, Carbon Monoxide Detector(s), Closed Circuit Camera(s), Fire Alarm, Fire Sprinkler System, Firewall(s), Gated with Guard, Key Card Entry, Secured Elevator, Secured Lobby, Security Fence, Security Gate, Security Lights, Security System Owned, Smoke Detector(s)

Spa FeaturesIn Ground, Community