This home is in Jacksonville.
Active·65 days on market
2545 Oak Street 13
Jacksonville, FL 32204
About this home
Jacksonville
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
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: ~$4,700/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.
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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- 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 Expert
Krista Fracke
Broker Associate
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