This home is in Jacksonville.

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Active

Active·113 days on market

1110 W 31st Street

Jacksonville, FL 32209

$169,900$189/sqftEst. $866/moMLS# 2138304

Beds

Baths

897

Sq Ft

1965

Built

—

Garage

Pool

About this home

Jacksonville

This beautifully renovated home at 1110 West 31st Street in Jacksonville, Florida is loaded with modern upgrades and attractive features. The upgraded kitchen boasts stainless steel appliances, including a brand-new refrigerator, and microwave. Its open concept design makes it perfect for cooking and entertaining. New flooring installed throughout the home to enhance overall style and comfort. New light fixtures have been installed throughout the home enhancing the modern illumination. Roof was replaced in 2018 and is relatively new and will reduce future maintenance concerns. The entire house has been freshly painted, a clean and inviting atmosphere. The bathrooms have been upgraded with fixtures, offering style and practicality With an asking price of $190,000, this home is a fantastic opportunity in the market. It's recommended to tour the property in person to fully enjoy its quality upgrades and charm.

Cost to own

Mortgage calculator

Home Price

$169,900

Down Payment: 20%

$33,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$866

Principal & Interest: $866

Property taxes (est.): $277

Insurance (est.): $113

Estimated Total Monthly

$1,257

*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$866

Property taxesest. at asking price, Duval County$277

Estimated total, before insurance$1,144/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,499/yr · $125/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	$70,641	$61,187	—
2024	$63,405	$55,625	—
2023	$55,884	$50,569	—
2022	$50,405	$45,972	—
2021	$41,793	$41,793	—
2020	$33,565	$29,756	—

2025 property taxes (current owner): $1,499/yr

Estimated taxes if purchased at asking price: ~$3,300/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 — 2018 per the listing

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

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: ~1,226 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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