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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 — a new construction home in Jacksonville.

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Sold

Sold·Closed Jul 16, 2026·35 days on market·Recent sales in Jacksonville

4637 Suray Avenue

Jacksonville, FL 32208

$239,990sold priceListed at $239,990 · 100% of asking$199/sqftMLS# 2144573
3
Beds
2
Baths
1,209
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XNo HOASingle Family Residence1 storyNew construction

About this home

Jacksonville

Call today to learn more about our incredible builder incentives! Introducing the Goggins Model by Flight Homes -a brand new 3-bedroom, 2-bathroom home with NO HOA or CDD fees. Designed with both style and functionality in mind, the kitchen features sleek white shaker cabinetry, a spacious island with seating, built-in storage, and a stainless steel appliance package. The private primary suite includes a walk-in closet and an en suite bathroom complete with dual vanities and a shower/tub combination. Two additional bedrooms and a beautifully designed full bathroom provide flexible space for family, guests, or a home office. Additional highlights include a dedicated laundry room with built-in storage and a spacious 2-car garage for added convenience. Ideally located just minutes from Downtown, Historic Riverside, the Beaches, and more, this home offers the perfect blend of comfort, convenience, and modern living. Don't miss this opportunity to be the first owner of this amazing home!

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$1,329
Property taxesest. at asking price, Duval County$392
Estimated total, before insurance$1,721/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

$239,990
$47,998
Loan Term
Monthly Payment
$1,329
Principal & Interest: $1,329
Property taxes (est.): $392
Insurance (est.): $160
Estimated Total Monthly
$1,881
*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 E

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

Roof: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,078 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$37,440$36,036—
2024$32,760$32,760▲ $4,680
2023$28,080$16,610▲ $7,488
2022$20,592$15,100—
2021$14,040$13,728▲ $1,560
2020$12,480$12,480—

Estimated taxes if purchased at asking price: ~$4,700/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

  • Jul 20, 2026Closed$239,990
  • May 11, 2026Listed$239,990

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 $162/sq ft; this home is listed at $199/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4663 Roanoke Boulevard, Jacksonville, FL 32208Listed by COLDWELL BANKER ANABASIS REALTYOct 2026$140,000$1523/29202040.1
4934 Donnybrook Avenue, Jacksonville, FL 32208Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$176,000$1243/21,4221640.5
4909 Fredericksburg Avenue, Jacksonville, FL 32208Listed by UNITED REAL ESTATE GALLERYAug 2026$155,000$1473/21,0573000.5
4313 Harbor View Drive, Jacksonville, FL 32208Listed by JPAR CITY AND BEACHSep 2026$203,000$1623/21,250411
4751 Lincrest Drive N, Jacksonville, FL 32208Listed by JPAR CITY AND BEACHSep 2026$190,000$1713/21,112221
5881 Victoria Creek Lane, Jacksonville, FL 32219Listed by D R HORTON REALTY INCSep 2026$258,000$1733/2.51,492591.2

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$239,990
Price / Sq Ft$199
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,209
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address4637 Suray Avenue, Jacksonville, FL 32208
Area075-Trout River/College Park/Ribault Manor
SubdivisionOsceola Forest
CityJacksonville
CountyDuval
StateFL
Zip Code32208
Parcel Number037934-0000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedMay 11, 2026
Days on Market35
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: REAL BROKER 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 Jul 16, 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

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.

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