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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 Jun 9, 2026·25 days on market·Recent sales in Jacksonville

3691 Oak Street

Jacksonville, FL 32205

$433,000sold priceListed at $440,000 · 98.4% of asking$382/sqftMLS# 2144147
2
Beds
1
Baths
1,134
Sq Ft
1926
Built
—
Garage
No
Pool
No HOA6,534 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Nestled in the heart of historic Avondale and perfectly positioned on a corner lot directly across from the iconic Boone Park, this enchanting 1926 home captures the timeless charm that has made this neighborhood one of Jacksonville's most beloved places to live. A stunning 384 square foot covered wraparound porch w/2 ceiling fans anchors the home, offering a front row seat to peaceful park views. Inside, classic architectural details tell the story of the home's craftsmanship--with hardwood floors, beadboard, 10-foot ceilings, crown molding, five panel doors, and 10 inch Craftsman style baseboards - vintage details rarely found in modern homes. The living room is centered around one of two exquisite fireplaces, while the primary suite features its own superb fireplace--an uncommon and cozy detail that adds more timeless charm. The home presents two large sun-filled bedrooms and one bathroom with claw-footed tub/shower and a soaring ceiling w/skylight. The kitchen has been tastefully

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$2,398
Property taxesest. at asking price, Duval County$707
Estimated total, before insurance$3,105/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,580/yr · $548/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

$433,000
$86,600
Loan Term
Monthly Payment
$2,398
Principal & Interest: $2,398
Property taxes (est.): $707
Insurance (est.): $289
Estimated Total Monthly
$3,394
*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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1926)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,561 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

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$349,221$349,221—
2024$362,349$362,349▲ $11,625
2023$359,888$352,915▲ $30,413
2022$320,832$320,832—
2021$243,614$211,113▼ $257
2020$191,921$191,921—

2025 property taxes (current owner): $6,580/yr

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.

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 $322/sq ft; this home is listed at $388/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3624 Oak Street, Jacksonville, FL 32205Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$712,000$5003/21,42430.1
3878 Boone Park Avenue, Jacksonville, FL 32205Listed by WATSON REALTY CORPSep 2026$390,000$3403/21,148930.3
1315 Azalea Drive, Jacksonville, FL 32205Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$280,000$3043/19201070.6
1283 Plymouth Place, Jacksonville, FL 32205Listed by RED DOOR REALTY GROUP, INCOct 2026$298,000$2103/21,416560.8
1217 Cook Street, Jacksonville, FL 32205Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$237,000$1633/21,45200.8
2944 Olga Place, Jacksonville, FL 32205Listed by COMPASS FLORIDA LLCOct 2026$439,000$3223/21,3641280.9

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$440,000
Price / Sq Ft$388
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage1,134
Acres0.15 acres
Year Built1926
TypeResidential
Sub-TypeSingle Family Residence
StyleHistoric
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address3691 Oak Street, Jacksonville, FL 32205
Area032-Avondale
SubdivisionRiverside Heights
CityJacksonville
CountyDuval
StateFL
Zip Code32205
Lot Size6,534 sq ft
Lot Dimensions50 x 125
Parcel Number0917960000

Amenities

Community FeaturesSidewalks, Curbs
UtilitiesElectricity Connected, Natural Gas Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOn Street
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Primary Bathroom - Tub with Shower
AppliancesDryer, Electric Water Heater, Gas Oven, Gas Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
FireplaceYes
# of Fireplaces2
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
Window FeaturesSkylight(s)

Exterior

Lot DescriptionCorner Lot, Historic Area
Patio / PorchCovered, Deck, Front Porch, Patio, Porch, Rear Porch, Side Porch, Wrap Around
FencingFenced, Back Yard, Wood
RoofShingle
ConstructionFrame, Wood Siding
Road FrontageCity Street

Additional Information

Date ListedMay 8, 2026
Days on Market25
Tax Amount$6,579.61
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 9, 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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