This home is in Jacksonville.

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Active

Active·69 days on market

2455 Seaway Street

Jacksonville, FL 32233

$469,000$328/sqftEst. $2,391/moMLS# 2145758

Beds

Baths

1,430

Sq Ft

1970

Built

—

Garage

Pool

About this home

Jacksonville

Minutes to ATLANTIC BEACH! Waterfront living without the waterfront price! Enjoy access to the Oak Harbor community boat ramp into the Intracoastal Waterway just minutes from your home. This stunning residence has been fully renovated from top to bottom and features new LVP flooring throughout, new lighting throughout, two spacious living areas, and a gorgeous kitchen complete with white shaker cabinets, quartz countertops, a custom backsplash, and new stainless steel appliances. Both bathrooms have been beautifully redesigned with gorgeous custom showers, updated faucets, stylish vanities, and chic mirrors that elevate the space with a modern designer feel. With 4 bedrooms and 2 bathrooms, there's room for everyone. Conveniently located just a short drive to the beaches and Hanna Park, you're truly in the center of it all.

Cost to own

Mortgage calculator

Home Price

$469,000

Down Payment: 20%

$93,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,391

Principal & Interest: $2,391

Property taxes (est.): $766

Insurance (est.): $313

Estimated Total Monthly

$3,470

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,391

Property taxesest. at asking price, Duval County$766

Estimated total, before insurance$3,157/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,821/yr · $402/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$268,342	$268,342	—

2025 property taxes (current owner): $4,821/yr

Estimated taxes if purchased at asking price: ~$9,200/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1970)

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

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

Solar potential: ~1,552 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.

History