This home is in Jacksonville.
Active·110 days on market
2545 Oak Street 13
Jacksonville, FL 32204
About this home
Jacksonville
VA LOAN BUYERS ARE WELCOME TO APPLY! Located in the historic Frances Court building circa 1919, this meticulously maintained Riverside condo blends timeless character with thoughtful modern updates in one of Jacksonville's most walkable neighborhoods. The current owners have beautifully cared for the unit with fresh interior paint, an updated kitchen & bathroom, a new HVAC system, sleek smart thermostat, and added conveniences including a washer and dryer that will convey with the sale. Unlike many modern layouts, the kitchen is privately tucked away from the main living areas, offering separation and functionality while maintaining the charm of the original floorplan. The split-bedroom layout places the two bedrooms on opposite ends of the condo, creating flexibility for guests, roommates, or a quiet work-from-home setup. Just blocks from Ascension St. Vincent's Riverside and surrounded by Riverside favorites including coffee shops, restaurants, parks, and nightlif
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 | $191,400 | $126,399 | ▼ $8,800 |
| 2024 | $200,200 | $122,130 | — |
| 2023 | $200,200 | $117,117 | — |
| 2022 | $162,250 | $112,250 | — |
| 2021 | $146,300 | $81,313 | ▲ $16,800 |
| 2020 | $129,500 | $79,500 | — |
2025 property taxes (current owner): $2,435/yr
Estimated taxes if purchased at asking price: ~$4,500/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.
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: Other — year not disclosed (home built 1919)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,623 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 28, 2026Price change$230,000−$4,000
- Jul 23, 2026Price change$234,000−$5,000
- May 13, 2026Listed$239,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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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
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