This home is in Jacksonville.
Sold·Closed Aug 28, 2026·98 days on market·Recent sales in Jacksonville
2975 Ernest Street
Jacksonville, FL 32205
About this home
Jacksonville
Experience historic Murray Hill charm in this meticulously renovated 4-bed, 2-bath bungalow. The interior shines with high ceilings, beautifully restored original hardwood floors, and a homey fireplace featuring intricate masonry. A chef's dream, the kitchen boasts a massive island bar, solid surface countertops, and stainless steel appliances. The layout includes a versatile fourth bedroom, perfect for a dedicated home office or gym. Both bathrooms are brand new, showcasing stylish, elegant tile work. Outdoor living is a priority here; relax on the gracious front porch or entertain on the new back deck overlooking a private, fully fenced backyard--perfect for pets and play. Located in the heart of Jacksonville's most vibrant neighborhood, you're steps away from Murray Hill's beloved parks and the eclectic mix of restaurants and shops on Edgewood Ave. Schedule your showing and fall in love with ''The Hill'' lifestyle.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
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 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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 1940)
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: ~1,628 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 | $109,475 | $30,328 | — |
| 2024 | $105,466 | $28,766 | ▲ $6,832 |
| 2023 | $101,806 | $26,472 | — |
| 2022 | $99,127 | $25,000 | ▲ $4,116 |
| 2021 | $82,615 | $25,000 | — |
| 2020 | $80,867 | $25,000 | — |
Estimated taxes if purchased at asking price: ~$5,200/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
- Sep 1, 2026Closed$273,000
- Aug 5, 2026Pending$273,000
- Jul 21, 2026Price change$273,000−$3,000
- Jul 10, 2026Price change$276,000−$3,500
- Apr 29, 2026Listed$279,500
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 $208/sq ft; this home is listed at $217/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 716 Locust Street, Jacksonville, FL 32205Listed by REAL BROKER LLC | Sep 2026 | $249,990 | $208 | 3/2.5 | 1,201 | 24 | 0.2 |
| 3153 Ernest Street, Jacksonville, FL 32205Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $210,000 | $207 | 3/1 | 1,015 | 100 | 0.3 |
| 2870 Lenox Avenue, Jacksonville, FL 32254Listed by DUVAL REALTY OF JAX | Sep 2026 | $112,500 | $85 | 3/1.5 | 1,318 | 7 | 0.3 |
| 3323 Post Street, Jacksonville, FL 32205Listed by EXP REALTY LLC | Sep 2026 | $164,625 | $115 | 3/2 | 1,426 | 83 | 0.6 |
| 2893 Downing Street, Jacksonville, FL 32205Listed by 1 REALTY CORP | Sep 2026 | $377,000 | $272 | 3/2 | 1,386 | 24 | 0.6 |
| 2944 Olga Place, Jacksonville, FL 32205Listed by COMPASS FLORIDA LLC | Oct 2026 | $439,000 | $322 | 3/2 | 1,364 | 128 | 0.7 |
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: HERRON REAL ESTATE LLC
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 Aug 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.
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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