This home is in San Jose, Jacksonville.
Active Under Contract·143 days on market·San Jose
1524 Shirl Lane
Jacksonville, FL 32207
About this home
San Jose
Location, updates, and timeless charm! This beautifully renovated 3-bedroom, 2-bath brick home offers the perfect blend of comfort and convenience just minutes from Downtown Jacksonville and San Marco Square. Step inside to discover light-filled living spaces, wood floors throughout, updated kitchen and bathrooms and fresh paint that create a bright and inviting feel. Thoughtful upgrades provide peace of mind, including a roof (2018), HVAC (2017), new water heater (2025), and complete electrical rewire (2025). A rare two-car garage adds valuable storage and parking, while the private fenced backyard serves as your own outdoor retreat. The expansive deck is perfect for relaxing evenings, morning coffee, or hosting gatherings. Tucked away on a quiet street yet incredibly close to the heart of Jacksonville. This property is a great investment for Airbnb or long term rental
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $284,782 | $149,569 | ▲ $7,800 |
| 2024 | $278,387 | $144,647 | ▲ $1,443 |
| 2023 | $266,345 | $138,978 | — |
| 2022 | $258,112 | $133,474 | ▲ $2,404 |
| 2021 | $221,181 | $128,131 | — |
| 2020 | $193,472 | $123,377 | ▲ $5,254 |
2025 property taxes (current owner): $3,201/yr
Estimated taxes if purchased at asking price: ~$8,000/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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — 2018 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely septic · Public water · JEA
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
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 homeAs 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
- Aug 4, 2026Active Under Contract$409,900
- Apr 9, 2026Listed$409,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About San Jose
San Jose is a neighborhood in Jacksonville, FL (Duval County), ZIP 32207.
View all San Jose homes for sale →Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines