This home is in Jacksonville.

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Active

Active·56 days on market

3522 Randall Street

Jacksonville, FL 32205

$425,000$333/sqftEst. $2,262/moMLS# 2146653

Beds

Baths

1,277

Sq Ft

1926

Built

—

Garage

Pool

About this home

Jacksonville

This 1926 Craftsman cottage sits in the heart of Jacksonville's historic Avondale neighborhood. Original hardwood floors, a wood-burning fireplace, and built-in shelving anchor the open living space, blending timeless character with everyday comfort. Out back, a wired shed offers flexible space for a workshop, studio, or extra storage, while cedar garden beds are ready for your next gardening project. The deck and fire pit create an inviting outdoor setting for relaxing or entertaining friends and family. A classic covered porch is the perfect place to enjoy morning coffee or unwind at sunset. Located in one of Jacksonville's most walkable and bikeable neighborhoods, you're just minutes from local favorites like Orsay, Community Loaves, Southern Grounds, and the Riverside Arts Market. Two bedrooms, two baths -- schedule your showing today before this Avondale gem is gone.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,160

Principal & Interest: $2,160

Est. Taxes & Insurance: $540

Estimated Total Monthly

$2,700

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,262

Property taxesest. at asking price, Duval County$694

Estimated total, before insurance$2,956/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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: $430,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$332,591	$281,869	▲ $644
2024	$339,087	$289,087	▲ $73,388
2023	$269,242	$179,304	▼ $27,992
2022	$289,001	$130,394	—
2021	$226,073	$64,549	—
2020	$213,158	$101,298	▼ $11,147

2024 property taxes (current owner): $5,535/yr

Estimated taxes if purchased at asking price: ~$8,300/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1926)

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: ~1,405 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History