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 — a waterfront home in Jacksonville.

1 / 47

Active

Active·87 days on market

4276 Quaking Street

Jacksonville, FL 32218

$310,000$192/sqftEst. $1,595/moMLS# 2145947

Beds

Baths

1,618

Sq Ft

2024

Built

Garage

Pool

About this home

Jacksonville

Motivated Seller offering Buyer closing concessions! Welcome home! 3-bedroom, 2-bath waterfront home where comfort, style & convenience come together. This beautifully maintained home offers a bright, open-concept floor plan designed for both everyday living & effortless entertaining. The spacious living area flows into the kitchen, featuring ample cabinetry, generous counter space, built in shelves in pantry, reverse osmosis system & a breakfast bar perfect for gathering with family. The primary suite provides a relaxing retreat with a private en-suite bath and walk-in closet, while the additional bedrooms offer flexibility for guests, a home office, or growing families. Epoxy floors & fresh paint in garage. Step outside to enjoy the peaceful view creating the perfect backdrop for morning coffee; weekend barbecues. Conveniently located in North Jacksonville, this home offers easy access to shopping, dining, major highways, Jacksonville International Airport & River City Marketplace.

Cost to own

Mortgage calculator

Home Price

$310,000

Down Payment: 20%

$62,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,595

Principal & Interest: $1,595

Property taxes (est.): $506

Insurance (est.): $207

Estimated Total Monthly

$2,308

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,595

Property taxesest. at asking price, Duval County$506

HOAbilled quarterly$10

Estimated total, before insurance$2,112/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,818/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	$269,695	$269,695	—

2025 property taxes (current owner): $4,818/yr

Estimated taxes if purchased at asking price: ~$6,100/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2024)

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

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

Price & status history

Jul 28, 2026Price change$310,000−$5,000
Jul 8, 2026Price change$315,000−$4,999
May 18, 2026Listed$319,999

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

Features

Price$310,000

Price / Sq Ft$192

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,618

Total Structure Area2,026 sq ft

Acres0.11 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryGarden City

MiddleHighlands

HighJean Ribault

Community Information

Address4276 Quaking Street, Jacksonville, FL 32218

Area091-Garden City/Airport

SubdivisionThe Arbors

CityJacksonville

CountyDuval

StateFL

Zip Code32218

Lot Size4,791.6 sq ft

Parcel Number0194494415

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

ViewWater

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)