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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in San Jose, Jacksonville.

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Sold

Sold·Closed Aug 28, 2026·89 days on market·Recent sales in San Jose·San Jose

2911 Cadiz Avenue

Jacksonville, FL 32217

$435,000sold priceListed at $449,900 · 96.7% of asking$204/sqftMLS# 2143190
4
Beds
3.5
Baths
2,132
Sq Ft
1962
Built
2
Garage
No
Pool

11 more homes for sale in San Jose →Search San Jose on the map

FEMA Zone XNo HOA10,890 sqft lotSingle Family Residence1 story

About this home

San Jose

Step into easy living with this fully renovated home designed for comfort and style. The open, welcoming layout is complemented by updated flooring, a modern kitchen with sleek finishes, and beautifully refreshed bathrooms. Roof was replaced in 2025. Whether you're relaxing at home or entertaining guests, this space is ready to fit your lifestyle. Located in a convenient Jacksonville neighborhood close to everyday essentials, this home offers both charm and practicality.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,409
Property taxesest. at asking price, Duval County$710
Estimated total, before insurance$3,120/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$435,000
$87,000
Loan Term
Monthly Payment
$2,409
Principal & Interest: $2,409
Property taxes (est.): $710
Insurance (est.): $290
Estimated Total Monthly
$3,410
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,586 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$314,362$99,770▲ $16,411
2024$298,550$96,110—
2023$308,214$91,709▲ $32,744
2022$267,418$91,936▲ $6,811
2021$224,616$87,788—
2020$202,582$85,879▲ $6,075

Estimated taxes if purchased at asking price: ~$8,500/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

  • Aug 31, 2026Closed$449,900
  • Jul 28, 2026Pending$449,900
  • May 2, 2026Listed$449,900

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 $196/sq ft; this home is listed at $211/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3637 Pizarro Road, Jacksonville, FL 32217Listed by RE/MAX UNLIMITEDSep 2026$319,000$1873/21,7021630.4
3647 Coronado Road, Jacksonville, FL 32217Listed by COWFORD REALTY & DESIGN LLCOct 2026$325,000$2163/21,5061670.5
3836 Marianna Road, Jacksonville, FL 32217Listed by RE/MAX SPECIALISTSOct 2026$253,000$1573/21,6111040.7
2422 University Boulevard W, Jacksonville, FL 32217Listed by SMILEEHOUSE AUCTION CO LLCSep 2026$205,000$1126/11,8381210.8
6883 Skinners Dairy Way, Jacksonville, FL 32217Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$348,000$2043/2.51,710840.9
5529 Nettie Road, Jacksonville, FL 32207Listed by JWB REALTY LLCSep 2026$345,000$1964/21,7601460.9

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

Price$449,900
Price / Sq Ft$211
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,132
Acres0.25 acres
Year Built1962
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Mid-Century Modern
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2911 Cadiz Avenue, Jacksonville, FL 32217
Area012-San Jose
SubdivisionSan Jose
CityJacksonville
CountyDuval
StateFL
Zip Code32217
Lot Size10,890 sq ft
Parcel Number1503560000

Amenities

UtilitiesElectricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Electric Cooktop, Electric Oven, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Garage, Washer Hookup

Exterior

RoofShingle

Additional Information

Date ListedMay 2, 2026
Days on Market89
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HASSLE-FREE REALTY LLC

Sold by: ENGEL & VOLKERS FIRST COAST (buyer's brokerage)

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.

The neighborhood

About San Jose

San Jose is a neighborhood in Jacksonville, FL (Duval County), ZIP 32217.

View all San Jose homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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