This home is in Jacksonville.

1 / 15

Active

Active·66 days on market

311 W Ashley Street 305 A&B

Jacksonville, FL 32202

$270,000$274/sqftEst. $1,377/moMLS# 2146561

Beds

Baths

984

Sq Ft

1949

Built

—

Garage

Pool

About this home

Jacksonville

Stop renting and build equity in the absolute center of Downtown Jacksonville. This beautifully renovated, furnished 984 sqft condo features a dual-key layout: one secure front entry foyer opens into two private, self-contained spaces. Live on one side and rent out the adjacent suite to completely wipe out your monthly living costs, or use the entire footprint as a sprawling primary urban residence. Unbeatable location directly inside the multi-billion dollar Gateway Jax and Pearl Square revitalization footprint. Just minutes from EverBank Stadium, Daily's Place, VyStar Corporate Headquarters, Wells Fargo, the Federal Courthouse, UF Health, and Baptist Health. Building features a secure entrance, clubhouse, and an on-site gym. Better yet, monthly HOA dues cover water, sewer, trash, pest control, security, and full exterior structure maintenance. Can be combined with unit 701 A&B with a similar floorplan. See MLS #2147558, 2149099, 2149215. CASH ONLY.

Cost to own

Mortgage calculator

Home Price

$270,000

Down Payment: 20%

$54,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,377

Principal & Interest: $1,377

Property taxes (est.): $441

Insurance (est.): $180

Estimated Total Monthly

$1,997

*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$1,377

Property taxesest. at asking price, Duval County$441

HOAbilled monthly$950

Estimated total, before insurance$2,768/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,024/yr · $169/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	$106,000	$106,000	▼ $21,000
2024	$127,000	$103,818	—
2023	$127,000	$94,380	—
2022	$97,000	$85,800	—
2021	$78,000	$78,000	—
2020	$78,000	$75,996	—

2025 property taxes (current owner): $2,024/yr

Estimated taxes if purchased at asking price: ~$5,300/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: material not specified — year not disclosed (home built 1949)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,637 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

Price & status history

Jul 9, 2026Price change$270,000−$5,000
May 21, 2026Listed$275,000

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

Features

Price$270,000

Price / Sq Ft$274

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage984

Total Structure Area187,700 sq ft

Year Built1949

TypeResidential

Sub-TypeCondominium

StyleMulti Generational

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address311 W Ashley Street 305 A&B, Jacksonville, FL 32202

Area073-Downtown Jacksonville-Northbank

SubdivisionResidences At City Place

CityJacksonville

CountyDuval

StateFL

Zip Code32202

Parcel Number0739030070

ZoningCondominium

Amenities

AmenitiesClubhouse, Elevator(s), Fitness Center, Laundry, Management - Off Site, Management - Part Time, Management- On Site, Security, Trash, Water

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOn Street, Parking Lot, Unassigned

ViewCity

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Guest Suite, In-Law Floorplan, Primary Bathroom - Tub with Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms

AppliancesElectric Cooktop, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric, Separate Meters

CoolingCentral Air, Electric, Separate Meters

# of Stories1

LevelsOne

LaundryLower Level

SecurityCarbon Monoxide Detector(s), Entry Phone/Intercom, Fire Alarm, Fire Sprinkler System, Firewall(s), Key Card Entry, Secured Lobby, Smoke Detector(s)