This home is in Jacksonville.
Pending·110 days on market
4612 College Street
Jacksonville, FL 32205
About this home
Jacksonville
PRICE IMPROVEMENT! Second chances are rare, but this one comes pre-loaded with peace of mind: a full home inspection and a clean 4-point inspection are already in hand. That means less risk, fewer surprises, and a faster path to closing. This 1948 Murray Hill charmer packs real character into 1,092 square feet -- 2 bedrooms, 1 bath, and the kind of original detail you can't get in new construction: gleaming original wood floors, fresh interior paint, and a wood-burning fireplace flanked by built-in bookshelves. Several major systems and big-ticket items have already been replaced, so you get years of worry-free living before those expenses come due again. The bright, open kitchen has room to cook and entertain, with an updated dishwasher among the recent upgrades throughout the home.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Last sold: $300,000 in June 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $252,254 | $201,532 | — |
| 2024 | $225,718 | $105,227 | ▲ $21,492 |
| 2023 | $210,758 | $100,706 | ▲ $14,813 |
| 2022 | $189,434 | $96,317 | ▲ $14,137 |
| 2021 | $151,821 | $92,056 | ▲ $4,650 |
| 2020 | $143,402 | $90,095 | ▲ $6,075 |
2025 property taxes (current owner): $4,093/yr
Estimated taxes if purchased at asking price: ~$5,600/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.
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 1948)
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: ~1,181 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 homeAs 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
- Aug 29, 2026Pending$284,900
- Aug 17, 2026Active Under Contract$284,900
- Jul 16, 2026Price change$284,900−$5,000
- May 22, 2026Listed$289,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX UNLIMITED
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines