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This home is in Jacksonville.

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Active

Active·22 days on market

4520 Birkenhead Road

Jacksonville, FL 32210

$195,000$147/sqftEst. $1,006/moMLS# 2140822

Beds

Baths

1,324

Sq Ft

1947

Built

—

Garage

Pool

About this home

Jacksonville

Renovated Lakeshore bungalow with an oversized primary retreat and huge backyard just minutes from Avondale and Ortega. Sellers to provide 5 year home warranty with acceptable offer! Fresh updates throughout include new flooring, paint, exterior siding, and a refreshed bath, while the spacious kitchen and living areas offer an easy flow for everyday living and entertaining. The oversized primary bedroom is a rare find at this price point -- large enough for a home office, reading nook, workout space, or dressing area. Outside, enjoy a fully usable yard with room for pets, gardening, firepit nights, or future expansion. Conveniently located near Publix, restaurants, shopping, and quick access to downtown Jacksonville.

Cost to own

Mortgage calculator

Home Price

$195,000

Down Payment: 20%

$39,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,006

Principal & Interest: $1,006

Property taxes (est.): $318

Insurance (est.): $130

Estimated Total Monthly

$1,454

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,006

Property taxesest. at asking price, Duval County$318

Estimated total, before insurance$1,324/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,224/yr · $269/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

Year	Market value	Taxable value	Change
2025	$160,071	$160,071	—
2024	$150,013	$150,013	▲ $3,695
2023	$151,195	$147,496	▲ $13,172
2022	$134,088	$134,088	▲ $33,546
2021	$88,245	$88,245	▲ $4,351
2020	$82,218	$82,116	▲ $3,600

2025 property taxes (current owner): $3,224/yr

Estimated taxes if purchased at asking price: ~$3,800/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 D

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

Roof: material not specified — year not disclosed (home built 1947)

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

Likely septic · Public water · JEA

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,261 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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