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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Sold

Sold·Closed Aug 7, 2026·48 days on market·Recent sales in Jacksonville

22 Monte Street

Jacksonville, FL 32254

$82,000sold priceListed at $86,000 · 95.3% of asking$102/sqftMLS# 2146034
3
Beds
1
Baths
804
Sq Ft
1950
Built
—
Garage
No
Pool
FEMA Zone XNo HOA7,405 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Investor special, needs some TLC, can be a flip or rental. Cash or hard money only. No blind offers, no assignable contracts, 0 day inspection offers are preferred. This is your chance to renovate, rent, or resell in a growing area.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$454
Property taxesest. at asking price, Duval County$134
Estimated total, before insurance$588/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,752/yr · $146/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$82,000
$16,400
Loan Term
Monthly Payment
$454
Principal & Interest: $454
Property taxes (est.): $134
Insurance (est.): $55
Estimated Total Monthly
$643
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: material not specified — year not disclosed (home built 1950)

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

Solar potential: ~1,004 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.

Cost to own

Taxes & assessment

Last sold: $78,000 in March 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$93,021$68,273▲ $31,230
2024$62,067$62,067—
2023$66,971$66,971▼ $852
2022$74,183$65,612—
2021$61,387$59,648—
2020$54,226$54,226▲ $2,964

2025 property taxes (current owner): $1,752/yr

Estimated taxes if purchased at asking price: ~$1,600/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.

History

Price & status history

  • Aug 9, 2026Closed$86,000
  • May 19, 2026Listed$86,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $157/sq ft; this home is listed at $107/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
515 Cynthia Street, Jacksonville, FL 32254Listed by KELLER WILLIAMS ST JOHNSOct 2026$155,000$1573/198820.9
5536 Leaming Avenue, Jacksonville, FL 32254Listed by CRYSTAL CLEAR REALTY, LLCSep 2026$233,500$2273/21,030881.1
5463 Leaming Avenue, Jacksonville, FL 32254Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$115,000$1322/1874231.1
7606 Contour Drive, Jacksonville, FL 32221Listed by RE/MAX SPECIALISTS PVAug 2026$97,500$993/298851.4
957 Odessa Drive E, Jacksonville, FL 32254Listed by INTEGRITY KEY REALTY LLCJul 2026$80,000$773/11,040171.5
8111 Hammond Boulevard, Jacksonville, FL 32220Listed by INI REALTYAug 2026$170,000$1922/188481.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$86,000
Price / Sq Ft$107
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage804
Acres0.17 acres
Year Built1950
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

Community Information

Address22 Monte Street, Jacksonville, FL 32254
Area074-Paxon
SubdivisionPaxon
CityJacksonville
CountyDuval
StateFL
Zip Code32254
Lot Size7,405.2 sq ft
Parcel Number0051530000

Amenities

UtilitiesOther
SewerSeptic Tank
Water SourceWell
ParkingCarport

Interior

AppliancesElectric Oven, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedJuly 17, 2026
Days on Market48
Tax Amount$1,752.21
Tax Year2025
Listing TermsCash, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: GREEN PALM REALTY & PROPERTY MANAGEMENT

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 7, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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