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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 pool home in Jacksonville.

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Active

Active·124 days on market

5623 Darlow Avenue

Jacksonville, FL 32277

$399,000$163/sqftEst. $2,193/mo mortgageMLS# 2144764
↓ $16,000 below original list
4
Beds
3
Baths
2,450
Sq Ft
1958
Built
2
Garage
Yes
Pool
FEMA Zone XNo HOA9,583 sqft lotSingle Family Residence2 stories

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About this home

Jacksonville

This spacious two story traditional home located near Jacksonville University campus in University Park area.The property offers 2,450 sq.ft. withj 4 bedrooms and 3 baths on a large fenced lot .large in ground pool to entertain family and friends .New updates include - new roof ,french doors and windows ,new HVAC, and new paint through out , Attached two car garage and no HOA FEES ! a great PADSPLIT investment !

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$2,193
Property taxesest. at asking price, Duval County$652
Estimated total, before insurance$2,844/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,306/yr · $442/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

$399,000
$79,800
Loan Term
Monthly Payment
$2,193
Principal & Interest: $2,193
Property taxes (est.): $652
Insurance (est.): $266
Estimated Total Monthly
$3,110
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 — year not disclosed (home built 1958)

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

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: ~1,644 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard and pool on the north side. Today at this address: sunrise 7:33 AM, sunset 6:48 PM.

  • A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $360,000 in May 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$330,426$268,225—
2024$309,959$259,959▲ $61,292
2023$257,838$89,689—
2022$214,454$85,621▼ $11,733
2021$175,519$81,671▲ $6,417
2020$166,039$81,475—

2025 property taxes (current owner): $5,306/yr

Estimated taxes if purchased at asking price: ~$7,800/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

  • Sep 16, 2026Price change$399,000−$16,000
  • Jun 20, 2026Listed$415,000

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 $173/sq ft; this home is listed at $163/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5503 Coppedge Avenue, Jacksonville, FL 32277Listed by ERA ONETEAM REALTYAug 2026$400,000$2224/21,800710.2
5439 Contina Avenue, Jacksonville, FL 32277Listed by REAL BROKER LLCJul 2026$309,000$1753/21,77060.3
5407 Ft Caroline Road, Jacksonville, FL 32277Listed by HOUWZER, INC.Oct 2026$320,000$1733/2.51,853370.4
5528 Edmar Road, Jacksonville, FL 32277Listed by KELLER WILLIAMS JACKSONVILLEAug 2026$275,000$1304/32,11420.4
3432 Tarpon Drive, Jacksonville, FL 32277Listed by JPAR CITY AND BEACHJun 2026$335,000$1454/22,311680.4
4036 Meek Drive, Jacksonville, FL 32277Listed by MIDDLETON REALTY, INC.Aug 2026$355,000$1645/32,162260.6

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$399,000
Price / Sq Ft$163
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,450
Acres0.22 acres
Year Built1958
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional, Mid-Century Modern
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo
Direction FacesSouth

School Information

This listingNo schools reported in the MLS
ElementaryFort Caroline, reported on 19 other University Park listings
MiddleArlington, reported on 20 other University Park listings
HighTerry Parker, reported on 20 other University Park listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address5623 Darlow Avenue, Jacksonville, FL 32277
Area041-Arlington
SubdivisionUniversity Park
CityJacksonville
CountyDuval
StateFL
Zip Code32277
Lot Size9,583.2 sq ft
Parcel Number1125690000

Amenities

Community FeaturesRestaurant
UtilitiesCable Available, Electricity Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPool

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Pantry, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate, Tile, Vinyl
FireplaceYes
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryIn Garage, Lower Level
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesBalcony
FencingBack Yard
RoofShingle
ConstructionStucco, Wood Siding
Other StructuresShed(s)
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedJune 20, 2026
Days on Market103
Tax Amount$5,305.79
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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

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20+ years · 500+ closings · NE Florida

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