This home is in Jacksonville.

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Active

Active·54 days on market

138 Thomas Avenue

Jacksonville, FL 32218

$239,900$152/sqftEst. $1,277/moMLS# 2144975

Beds

Baths

1,580

Sq Ft

1996

Built

—

Garage

Pool

About this home

Jacksonville

Step inside to 1,580 square feet of comfortable, move-in ready space -- updated flooring, a large kitchen, and a primary suite that actually feels like a retreat. Combine with 0 Thomas Ave (MLS 2145073) for one full acre of private land! Bundle both deeded parcels for only $269,900! No HOA and no neighbors telling you what to do, 138 Thomas Avenue is country living with city convenience -- minutes to major roads so your commute doesn't own your life. Enjoy your large screened porch and deck to hold the largest of family cookouts. Got a boat, a trailer, or weekend toys? The covered carport has room for all of it. Metal roof. No HOA. No CDD. This home is truly turn-key -- move in and start living from day one.

Cost to own

Mortgage calculator

Home Price

$239,900

Down Payment: 20%

$47,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,212

Principal & Interest: $1,212

Est. Taxes & Insurance: $303

Estimated Total Monthly

$1,515

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$1,277

Property taxesest. at asking price, Duval County$392

Estimated total, before insurance$1,669/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, 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	$411,516	$204,503	—
2024	$185,912	$185,912	▲ $50,610
2023	$138,951	$20,000	▲ $5,770
2022	$129,607	$24,500	—
2021	$105,782	$24,500	▲ $30,704
2020	$74,266	$24,500	—

2025 property taxes (current owner): $5,314/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Metal — year not disclosed (home built 1996)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational 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 22, 2026Listed$239,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$239,900

Price / Sq Ft$152

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,580

Acres0.50 acres

Year Built1996

TypeResidential

Sub-TypeManufactured Home

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

Direction FacesNortheast

School Information

ElementarySan Mateo

MiddleOceanway

HighFirst Coast

Community Information

Address138 Thomas Avenue, Jacksonville, FL 32218

Area095-San Mateo/Eastport

SubdivisionSan Mateo

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Lot Size21,780 sq ft

Parcel Number0209190070

ZoningResidential

Amenities

UtilitiesElectricity Connected

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingCarport

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringWood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit