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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Active Under Contract

Active Under Contract·106 days on market

909 Cedar Street

Jacksonville, FL 32207

$575,000$317/sqftEst. $2,932/moMLS# 2140610

Beds

Baths

1,813

Sq Ft

1924

Built

—

Garage

Pool

About this home

Jacksonville

Turnkey, fully furnished TRIPLEX just 1 block from the river in the heart of San Marco. Zoned CRO. Renovated and perfectly set up to cash flow all or live-in one and rent the others, this is a rare opportunity to step into a coveted rental asset with immediate cash flow potential. Ideally located on a quiet street in the Southbank medical hub--walk or bike to San Marco Square's restaurants, shops + parks. The property features 3 well-appointed units: a 2BR/1BA, a studio, and a 1BR/1BA--perfect for short-term, long-term, or house-hack flexibility. Each unit offers a private outdoor space, and all furnishings convey for an easy transition. Recent improvements include updated kitchens and baths, many new appliances, restored hardwood floors, LVP flooring in the studio, new windows, major plumbing and electrical updates, newer systems, and separate electric meters. Strong rental demand driven by proximity to Baptist, MD Anderson, Nemours + major employers.

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,932

Principal & Interest: $2,932

Property taxes (est.): $939

Insurance (est.): $383

Estimated Total Monthly

$4,254

*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$2,932

Property taxesest. at asking price, Duval County$939

Estimated total, before insurance$3,871/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,844/yr · $570/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: $519,000 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$326,029	$326,029	—
2024	$427,104	$427,104	—
2023	$427,104	$427,104	—
2022	$329,966	$145,057	▲ $90,650
2021	$239,316	$135,524	—
2020	$239,316	$128,593	▼ $21,756

2025 property taxes (current owner): $6,844/yr

Estimated taxes if purchased at asking price: ~$11,300/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1924)

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

Sewer (public record)

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

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

Solar potential: ~1,587 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