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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 Jacksonville.

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Sold

Sold·Closed Aug 4, 2026·74 days on market·Recent sales in Jacksonville

2820 Aubrey Avenue

Jacksonville, FL 32208

$116,000sold priceListed at $119,900 · 96.7% of asking$78/sqftMLS# 2143835
3
Beds
1
Baths
1,496
Sq Ft
1960
Built
—
Garage
No
Pool
FEMA Zone XNo HOA12,197 sqft lotSingle Family Residence1 story

About this home

Jacksonville

This concrete block home features plenty of space for entertaining, tile floors for convenient maintenance, and a spacious lot sitting on more than 1/4 of an acre! The kitchen boasts ample storage with updated cabinets and countertops. A large living space allows the whole family to gather and leads into the backyard through french doors. All major items have been taken care of for you. In 2014 windows were replaced, the HVAC was replaced in 2016 and the roof was replaced in 2021. Property sold as-is

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$643
Property taxesest. at asking price, Duval County$189
Estimated total, before insurance$832/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,471/yr · $206/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$116,000
$23,200
Loan Term
Monthly Payment
$643
Principal & Interest: $643
Property taxes (est.): $189
Insurance (est.): $77
Estimated Total Monthly
$909
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Hurricane evacuation zone C

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

Roof: Shingle — 2021 per the listing

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

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: ~1,080 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$120,534$116,020—
2024$105,473$105,473—
2023$109,785$103,427—
2022$96,880$94,025—
2021$85,478$85,478▲ $1,870
2020$81,287$81,287—

2025 property taxes (current owner): $2,471/yr

Estimated taxes if purchased at asking price: ~$2,300/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 6, 2026Closed$119,900
  • Jul 17, 2026Active Under Contract$119,900
  • Jul 8, 2026Price change$119,900−$10,000
  • May 6, 2026Listed$129,900

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 $154/sq ft; this home is listed at $80/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6638 Champlain Road, Jacksonville, FL 32208Listed by NETWORTH REALTY OF JACKSONVILLE, LLCSep 2026$218,000$1513/21,44060.2
2153 Courtney Drive, Jacksonville, FL 32208Listed by COMPASS FLORIDA LLCOct 2026$230,000$1663/21,38360.5
6949 Cavalier Road, Jacksonville, FL 32208Listed by REALHOME SERVICES AND SOLUTIONS INCSep 2026$54,220$423/1.51,281210.6
3831 Owen Avenue, Jacksonville, FL 32209Listed by LPT REALTY LLCSep 2026$249,000$1973/21,262570.7
1648 Stafford Road, Jacksonville, FL 32208Listed by LISA DUKE REALTY LLCSep 2026$207,000$1243/21,674670.8
1546 Palmdale Street, Jacksonville, FL 32208Listed by NEXT LEVEL REALTY OF FL, INC.Sep 2026$215,000$1543/21,3941430.9

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$119,900
Price / Sq Ft$80
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,496
Acres0.28 acres
Year Built1960
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionFixer
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address2820 Aubrey Avenue, Jacksonville, FL 32208
Area075-Trout River/College Park/Ribault Manor
SubdivisionGibson Manor
CityJacksonville
CountyDuval
StateFL
Zip Code32208
Lot Size12,196.8 sq ft
Parcel Number0257990000

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingOff Street

Interior

AppliancesOther
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1

Exterior

FencingChain Link
RoofShingle
ConstructionBlock
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMay 6, 2026
Days on Market74
Tax Amount$2,470.95
Tax Year2025
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THE THAYVER GROUP

Sold by: MOMENTUM REALTY (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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 4, 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.

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20+ years · 500+ closings · NE Florida

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