This home is in Jacksonville.
Pending·18 days on market
4121 Birmingham Road
Jacksonville, FL 32207
About this home
Jacksonville
Charming 1948 brick home in the established Miramar Terrace neighborhood in San Marco, just minutes from Downtown Jacksonville and the St. Johns River. This 3-bedroom, 1-bath property offers original hardwood floors, a masonry fireplace, and a functional single-story layout. The home features a one-car garage, covered patio area, and mature landscaping. The living area is spacious with great natural light, while the kitchen offers charm with room to personalize. Solid brick construction and central HVAC provide a strong foundation, ideal for investors or buyers looking to establish roots. Conveniently located near shopping, dining, and major roadways, this property combines classic character with excellent potential in a desirable urban-core location.
Cost to own
Mortgage calculator
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 (that applies to the reference bill above too).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $297,828 | $137,238 | ▼ $24,175 |
| 2024 | $322,206 | $132,663 | — |
| 2023 | $320,604 | $127,343 | ▲ $23,780 |
| 2022 | $290,368 | $122,178 | ▲ $14,356 |
| 2021 | $251,830 | $117,164 | — |
| 2020 | $228,006 | $114,857 | ▲ $7,178 |
2025 property taxes (current owner): $2,982/yr
Estimated taxes if purchased at asking price: ~$5,400/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: Shingle — year not disclosed (home built 1948)
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: ~1,669 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.
History
Price & status history
- Aug 7, 2026Pending$275,000
- Jul 21, 2026Active$275,000
- Jul 15, 2026Pending$275,000
- Jul 7, 2026Price change$275,000−$14,000
- Jun 17, 2026Listed$289,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PURSUIT REAL ESTATE, LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Miramar Terrace
Active Under Contract$335,000MLS# 2158158Est. $1,783/mo1117 Peachtree Street, Jacksonville, FL 322072 Beds1 Baths1,302 sqftCharming San Marco area bungalow for sale! This move-in ready historic home features 2 bedrooms, 1 bathroom, and…
ResidentialWATSON REALTY CORP
Pending$2,300/moMLS# 21479894357 San Jose Boulevard, Jacksonville, FL 322073 Beds2 Baths1,584 sqftThis property has a horseshoe drive and a 1 car carport. Behind the carport is former 1 car garage (not counted in…
Residential LeaseK. JONES REALTY
Active$550,000MLS# 2158197Est. $2,927/mo1275 Monterey Street, Jacksonville, FL 322073 Beds2 Baths1,606 sqftWelcome to this stunning, turn-key home on a desirable corner lot in Jacksonville's sought-after Miramar neighborhood.…
ResidentialCOWFORD REALTY & DESIGN LLC
Keep looking
Similar homes in Jacksonville
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines