This home is in Jacksonville.
Sold·Closed Jul 10, 2026·48 days on market·Recent sales in Over 55 & Active Adult
754 McCargo Street S
Jacksonville, FL 32221
About this home
Jacksonville
Nearly an acre of quiet Duval County living with no HOA and room to make it truly yours. This beautifully updated home features shiplap and cedar details, 3 bedrooms plus a flexible office or 4th non-conforming bedroom, dining area, sunroom, and 1 bathroom. Imagine morning coffee on the front porch, a garden in full bloom, a few chickens out back, and still plenty of room for a pool or all your toys. Newer appliances, windows, well pump, and roof on the home, garage, and shed. Outdoor living at its finest with a detached garage, barn, shed, and outdoor kitchen -- all tucked away on a peaceful street with room to breathe. A little bit of country, close to the city. Cash buyers only.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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
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 1968)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,601 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 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $178,953 | $178,953 | ▲ $4,482 |
| 2024 | $175,305 | $175,305 | ▼ $289 |
| 2023 | $162,636 | $162,636 | — |
| 2022 | $152,289 | $152,289 | — |
| 2021 | $48,687 | $48,687 | — |
| 2020 | $48,003 | $43,527 | — |
2025 property taxes (current owner): $3,577/yr
Estimated taxes if purchased at asking price: ~$2,500/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.
History
Price & status history
- Jul 10, 2026Closed$150,000
- Apr 10, 2026Listed$150,000
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 $191/sq ft; this home is listed at $120/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 758 Estates Cove Road, Jacksonville, FL 32221Listed by MCCABE REALTY INC | Sep 2026 | $262,000 | $190 | 3/2 | 1,376 | 80 | 0.3 |
| 717 Estates Cove Road, Jacksonville, FL 32221Listed by HERRON REAL ESTATE LLC | Sep 2026 | $305,000 | $191 | 4/2 | 1,595 | 68 | 0.3 |
| 8054 Paschal Street, Jacksonville, FL 32220Listed by REAL BROKER LLC | Sep 2026 | $127,500 | $107 | 4/1 | 1,192 | 10 | 0.3 |
| 8112 Paschal Street, Jacksonville, FL 32220Listed by RPB REALTY,INC | Aug 2026 | $249,900 | $207 | 3/2 | 1,209 | 65 | 0.3 |
| 459 Greeland Avenue, Jacksonville, FL 32220Listed by RPB REALTY,INC | Sep 2026 | $219,900 | $181 | 3/2.5 | 1,217 | 133 | 0.4 |
| 7662 Contour Drive, Jacksonville, FL 32221Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $260,000 | $239 | 3/2 | 1,090 | 20 | 0.5 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 10, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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