This home is in Jacksonville.

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Active Under Contract

Active Under Contract·93 days on market

1118 Monticello Road

Jacksonville, FL 32207

$525,000$264/sqftEst. $2,794/moMLS# 2139760

Beds

Baths

1,986

Sq Ft

1952

Built

—

Garage

Pool

About this home

Jacksonville

Price Reduced! All-Brick Home steps from the River & Top Schools Ideally located in the heart of St. Nicholas. This beautifully renovated all-brick home is just steps from the river and minutes from downtown, premier dining, and shopping. Inside, you'll find a stunning, fully remodeled kitchen featuring 42-inch soft-close cabinetry, granite countertops, tile flooring, and stainless-steel appliances--perfect for both everyday living and entertaining. The home also offers updated bathrooms with elegant tile finishes, ceramic tile flooring, and beautifully refinished original hardwood floors throughout. The spacious owner's suite includes a private full bathroom and a generous walk-in closet. Additional highlights include a convenient indoor laundry room, new front and rear doors, and freshly painted interior and window frames. Step outside to enjoy the large backyard and deck--ideal for entertaining guests or relaxing in a peaceful setting. The shed offers great extra storag

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,652

Principal & Interest: $2,652

Est. Taxes & Insurance: $663

Estimated Total Monthly

$3,315

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,794

Property taxesest. at asking price, Duval County$857

Estimated total, before insurance$3,652/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Year	Market value	Taxable value	Change
2025	$427,416	$246,991	—
2024	$421,064	$239,323	▲ $3,815
2023	$401,746	$230,897	▲ $29,811
2022	$360,347	$222,716	▲ $23,970
2021	$291,880	$214,773	—
2020	$261,118	$211,118	—

2025 property taxes (current owner): $4,929/yr

Estimated taxes if purchased at asking price: ~$10,300/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1952)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,654 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History