This home is in Jacksonville.

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Active Under Contract

Active Under Contract·98 days on market

3263 Thomas Street

Jacksonville, FL 32254

$138,000$131/sqftEst. $734/moMLS# 2139214

Beds

Baths

1,053

Sq Ft

1943

Built

—

Garage

Pool

About this home

Jacksonville

[*Seller is offering up to $5,000 toward buyer closing costs, prepaids, and/or interest rate buydown with acceptable offer.*] Welcome to this charming 3-bedroom, 1-bathroom home, where comfort and character greets you from the moment you enter. Freshly painted interiors and plush carpeting create a warm, inviting atmosphere perfect for relaxing or entertaining. Gather around the cozy fireplace and enjoy the sense of home this space provides. Extend your living outdoors with both covered front and back porches, ideal for morning coffee or evening unwinding. This home offers a wonderful blend of indoor comfort and outdoor enjoyment. Be sure to schedule your private showing today and experience all this home has to offer!

Cost to own

Mortgage calculator

Home Price

$138,000

Down Payment: 20%

$27,600

Interest Rate: 6.55%

Loan Term

Monthly Payment

$701

Principal & Interest: $701

Est. Taxes & Insurance: $175

Estimated Total Monthly

$877

*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$734

Property taxesest. at asking price, Duval County$225

Estimated total, before insurance$960/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	$110,688	$95,507	—
2024	$104,250	$86,825	▲ $15,547
2023	$93,111	$78,932	—
2022	$89,577	$71,757	—
2021	$65,234	$65,234	▼ $824
2020	$64,079	$64,079	▲ $5,965

2025 property taxes (current owner): $2,175/yr

Estimated taxes if purchased at asking price: ~$2,700/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 1943)

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: ~1,274 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

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