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This home is in Jacksonville.

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Active

Active·114 days on market

2761 St Johns Avenue

Jacksonville, FL 32205

$1,999,000$201/sqftEst. $10,192/moMLS# 2139502

Beds

Baths

9,968

Sq Ft

1952

Built

—

Garage

Pool

About this home

Jacksonville

*****PRICE REDUCED***** Introducing River Breeze Apartments situated in the sought-after Riverside Historic District in Jacksonville, FL. This exceptional 12-unit apartment community offers oversized 800+ SF one-bedroom units with in-unit washer/dryer and central HVAC. The property's prime location provides a Walk Score of 89/100, allowing residents easy access to dining, retail, and entertainment options in the surrounding area, including proximity to major employment centers like Ascension St. Vincent's Riverside hospital. Investors have a compelling value-add opportunity to renovate 11 of the 12 units with modern premium finishes, unlocking significant rental upside while benefiting from the enduring appeal of the historic district. With limited supply in this prestigious neighborhood, River Breeze Apartments offers a rare chance to acquire a well-located asset in one of Jacksonville's premier locations.

Cost to own

Mortgage calculator

Home Price

$1,999,000

Down Payment: 20%

$399,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$10,192

Principal & Interest: $10,192

Property taxes (est.): $3,264

Insurance (est.): $1,333

Estimated Total Monthly

$14,789

*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$10,192

Property taxesest. at asking price, Duval County$3,264

Estimated total, before insurance$13,456/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$25,493/yr · $2,124/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

Last sold: $1,872,000 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,419,100	$1,419,100	—
2024	$1,399,500	$1,399,500	▲ $22,700
2023	$1,438,000	$1,438,000	▲ $58,600
2022	$1,315,500	$1,315,500	▼ $41,100
2021	$1,226,900	$1,226,900	—
2020	$1,137,100	$1,137,100	—

2025 property taxes (current owner): $25,493/yr

Estimated taxes if purchased at asking price: ~$39,200/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: material not specified — year not disclosed (home built 1952)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,703 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

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