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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed May 28, 2026·32 days on market·Recent sales in Over 55 & Active Adult

400 E Bay Street 1201

Jacksonville, FL 32202

$224,000sold priceListed at $245,000 · 91.4% of asking$233/sqftMLS# 2139514
1
Beds
1.5
Baths
960
Sq Ft
2003
Built
1
Garage
No
Pool
HOA $852/moWaterfrontCondominium1 story

About this home

Jacksonville

Plaza condo with large balcony with great River and skyline views! Interior features wood floors, granite counters, upgraded cabinetry with 42'' uppers, tiled backsplash, newer stainless steel appliances, full-size W/D, upgraded lighting, ceiling fan and 2 bedroom closets with custom built-ins. Lots of windows and natural light. Enjoy your resort lifestyle at The Plaza! The Plaza is on the River in downtown Jax. Walk to offices, museums, parks, restaurants, Jaguar games, Jumbo Shrimp games, Icemen hockey and 5 concert venues. Squash & racquetball court, tennis & pickle ball courts, 24/7 Concierge, sun soaked pool, bocci ball court, outdoor kitchen & gas grills, Swedish sauna, steam room, newly renovated fitness center, business center, guest suite, wine lockers & 21st Floor Riverview Lounge for entertaining. Slips available at the adjacent Plaza Marina.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,241
Property taxesest. at asking price, Duval County$366
HOAbilled monthly$852
Estimated total, before insurance$2,459/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,202/yr · $350/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$224,000
$44,800
Loan Term
Monthly Payment
$1,241
Principal & Interest: $1,241
Property taxes (est.): $366
Insurance (est.): $149
Estimated Total Monthly
$1,756
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:27 AM, sunset 6:59 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,202/yr

Estimated taxes if purchased at asking price: ~$4,400/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, NEFMLS.

History

Price & status history

  • Apr 10, 2026Listed$245,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $237/sq ft; this home is listed at $255/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
400 E Bay Street 1701, Jacksonville, FL 32202Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$227,000$2371/1959620
400 E Bay Street 502, Jacksonville, FL 32202Listed by LIFESTYLE REAL ESTATE INC.Feb 2026$225,000$1911/11,175620
400 E Bay Street 1409, Jacksonville, FL 32202Listed by EGI REAL ESTATEJan 2026$240,000$3121/1770400
400 E Bay Street 811, Jacksonville, FL 32202Listed by EGI REAL ESTATEAug 2025$290,000$3151/1.592080
1050 Hendricks Avenue 103, Jacksonville, FL 32207Listed by LA ROSA REALTY JACKSONVILLE, LLC.Jun 2026$202,888$2281/1888800.7
111 1st Street 28, Jacksonville, FL 32206Listed by COWFORD REALTY & DESIGN LLCSep 2026$107,000$1122/1.5953430.9

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$245,000
Price / Sq Ft$255
Bedrooms1
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage960
Year Built2003
TypeResidential
Sub-TypeCondominium
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontYes
Direction FacesWest

School Information

ElementaryLong Branch
MiddleMatthew Gilbert
HighStanton

Community Information

Address400 E Bay Street 1201, Jacksonville, FL 32202
Area073-Downtown Jacksonville-Northbank
SubdivisionThe Plaza Condominium At Berkman
CityJacksonville
CountyDuval
StateFL
Zip Code32202
Parcel Number0733490276
ZoningPUD

Amenities

AmenitiesPool, Barbecue, Dog Park, Elevator(s), Fitness Center, Gated, Jogging Path, Management - Full Time, Management- On Site, Park, Pickleball, Racquetball, Sauna, Service Elevator(s), Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected, Other
SewerPublic Sewer
Water SourcePublic
ParkingAssigned, Attached, Covered, Garage Door Opener, Gated, Guest
ViewCity, River, Water

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringWood
# of Stories1
LevelsOne
LaundryIn Unit
SecurityClosed Circuit Camera(s), Entry Phone/Intercom, Fire Alarm, Fire Sprinkler System, Key Card Entry, Secured Elevator, Secured Lobby, Security Gate, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedApril 10, 2026
Days on Market32
HOA Fees$852.43 / Monthly
HOA FrequencyMonthly
HOA NameThe Plaza Condo Association
HOA Fee IncludesInsurance, Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Sewer, Trash, Water, Other
Tax Amount$4,202
Tax Year2025
Listing TermsCash, Conventional, FHA, Owner May Carry, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EGI REAL ESTATE

Sold by: DJ & LINDSEY REAL ESTATE (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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