This home is in Jacksonville.

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Pending

Pending·105 days on market

3102 Thomas Street

Jacksonville, FL 32254

$94,900$57/sqftEst. $505/moMLS# 2138064

Beds

Baths

1,670

Sq Ft

1924

Built

—

Garage

Pool

About this home

Jacksonville

Clear value meets functional design in this 4-bedroom, 2-bathroom home featuring 1,670 square feet of living space. Situated on a large corner lot, the property includes a 2-car carport and a fully fenced rear yard for added privacy. The interior layout maximizes the square footage across all four bedrooms and offers multiple living spaces. This home is positioned for convenience, offering rapid access to major interstates and nearby shopping centers. Affordably priced and ready for its next chapter, this residence provides essential amenities and a solid footprint in an established neighborhood. Take a look today!

Cost to own

Mortgage calculator

Home Price

$94,900

Down Payment: 20%

$18,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$482

Principal & Interest: $482

Est. Taxes & Insurance: $121

Estimated Total Monthly

$603

*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$505

Property taxesest. at asking price, Duval County$155

Estimated total, before insurance$660/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	$92,639	$92,119	—
2024	$85,352	$83,745	▲ $12,559
2023	$76,132	$76,132	—
2022	$73,252	$73,252	—
2021	$46,861	$45,367	▲ $4,464
2020	$41,243	$41,243	▼ $9,415

2025 property taxes (current owner): $2,022/yr

Estimated taxes if purchased at asking price: ~$1,900/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.

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 — year not disclosed (home built 1924)

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: ~1,541 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