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This home is in Jacksonville.

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Active Under Contract

Active Under Contract·99 days on market

2950 Arapahoe Avenue

Jacksonville, FL 32210

$610,000$326/sqftEst. $3,146/moMLS# 2143141

Beds

Baths

1,869

Sq Ft

1941

Built

Garage

Pool

About this home

Jacksonville

Step back from the hustle into the established charm of oak-lined streets, circular parks, and river breezes. This cheerful Ortega home is set on a large corner lot with room for a Pool and abounding with character and natural light. Rich hardwood floors, oversized windows, built-in corner cabinets, and fireplace preserve its historic charm, while upgrades such as the newer roof, recent repipe with tankless water heater and rewire, encapsulated dry crawl space, whole house water filtration and gutter guards offer buyer confidence. The cozy kitchen and family room flow through French doors onto the deck and patio for effortless entertaining and relaxing. Enjoy privacy and calm in the generous primary suite with updated spa bath and an alcove perfect for desk/flex space. The detached 2024 Morton Buildings two-car garage with 400 AMP capability and new driveway will appeal to collectors, artists, and hobbyists. Schools, shopping, and dining are minutes away.

Cost to own

Mortgage calculator

Home Price

$610,000

Down Payment: 20%

$122,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,146

Principal & Interest: $3,146

Property taxes (est.): $996

Insurance (est.): $407

Estimated Total Monthly

$4,548

*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$3,146

Property taxesest. at asking price, Duval County$996

Estimated total, before insurance$4,142/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.

Cost to own

Taxes & assessment

Last sold: $571,000 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$483,047	$432,325	▼ $26,783
2024	$411,436	$338,965	▲ $21,997
2023	$395,580	$327,636	—
2022	$366,637	$316,637	—
2021	$293,444	$293,444	—
2020	$263,818	$176,697	▲ $10,100

Estimated taxes if purchased at asking price: ~$12,000/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 1941)

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: ~1,331 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