Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville.

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Active

Active·85 days on market

1742 Saint Johns Bluff Road N

Jacksonville, FL 32225

$365,000$234/sqftEst. $1,882/moMLS# 2145608

Beds

Baths

1,557

Sq Ft

1948

Built

—

Garage

Pool

About this home

Jacksonville

Calling all families, gardeners, entertainers, and buyers ready to create their dream space! Situated on almost an acre, this property offers endless possibilities with plenty of room to build your dream pool, create a cozy firepit area, start your own garden, or design the backyard oasis you've always wanted. This home features a microwave and stove less than 3 years old, well maintained HVAC and hot water heater and offers incredible potential with just a little TLC, including minor touch-up painting and landscaping. NO HOA or CDD fees give you the freedom to truly make this property your own. Conveniently located near shopping, dining, and entertainment including St. Johns Town Center, River City Marketplace, The Avenues Mall, Walmart, Publix, and numerous local restaurants, while still offering space and privacy that's hard to find. Opportunity awaits!

Cost to own

Mortgage calculator

Home Price

$365,000

Down Payment: 20%

$73,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,882

Principal & Interest: $1,882

Property taxes (est.): $596

Insurance (est.): $243

Estimated Total Monthly

$2,722

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.69% · 30yr$1,882

Property taxesest. at asking price, Duval County$596

Estimated total, before insurance$2,478/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.

Cost to own

Taxes & assessment

Last sold: $343,400 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$281,753	$0	—
2024	$261,544	$0	▲ $7,046
2023	$210,235	$200,136	—
2022	$189,261	$181,942	—
2021	$167,869	$165,402	—
2020	$150,366	$150,366	▲ $3,922

2025 property taxes (current owner): $384/yr

Estimated taxes if purchased at asking price: ~$7,200/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: Shingle — year not disclosed (home built 1948)

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

Septic system (public record) · Public water (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).

Solar potential: ~1,245 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.

History