Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville.

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Pending

Pending·116 days on market

2319 College Street

Jacksonville, FL 32204

$185,000$114/sqftEst. $943/moMLS# 2139443

Beds

Baths

1,620

Sq Ft

1924

Built

—

Garage

Pool

About this home

Jacksonville

Fixer Upper for Cash Buyers in the Riverside area of Jacksonville. 4 bedrooms, 2 bathrooms

Cost to own

Mortgage calculator

Home Price

$185,000

Down Payment: 20%

$37,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$943

Principal & Interest: $943

Property taxes (est.): $302

Insurance (est.): $123

Estimated Total Monthly

$1,369

*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$943

Property taxesest. at asking price, Duval County$302

Estimated total, before insurance$1,245/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.

Cost to own

Taxes & assessment

Last sold: $322,500 in February 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$277,200	$226,478	—
2024	$265,650	$265,650	—
2023	$265,650	$207,900	—
2022	$189,000	$189,000	—
2021	$134,400	$134,400	▲ $8,400
2020	$126,000	$121,169	—

Estimated taxes if purchased at asking price: ~$3,600/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.