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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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1615 Cluny Road

Jacksonville, FL 32218

$255,000$176/sqftEst. $1,361/moMLS# 2147070
↓ $10,000 below original list
3
Beds
2.5
Baths
1,452
Sq Ft
2024
Built
1
Garage
No
Pool
FEMA Zone XHOA $257/mo2,178 sqft lotTownhouse2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Welcome to 1615 Cluny Road, where convenience, comfort, and easy living come together in one incredible opportunity! This practically new, beautifully maintained home is move-in ready and perfect for first-time buyers, downsizers, and relocations. Offered fully furnished, this home provides a seamless transition with everything you need already in place. Enjoy a welcoming atmosphere, modern finishes, and the convenience of included internet. Ideally located just minutes from River City Marketplace, you'll have quick access to premier shopping, dining, entertainment, grocery stores, fitness centers, and everyday conveniences. Plus, Jacksonville International Airport, I-95, and downtown Jacksonville are all within easy reach, making commuting and travel a breeze. Don't miss this exceptional opportunity to own a turnkey home in one of Jacksonville's most convenient locations. Schedule your showing today!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$1,361
Property taxesest. at asking price, Duval County$416
HOAbilled monthly$257
Estimated total, before insurance$2,034/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,046/yr · $337/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

$255,000
$51,000
Loan Term
Monthly Payment
$1,361
Principal & Interest: $1,361
Property taxes (est.): $416
Insurance (est.): $170
Estimated Total Monthly
$1,948
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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 E

Zone E evacuates after zones A, B, C, D 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$226,401$226,401—
2024$44,000$44,000—

2025 property taxes (current owner): $4,046/yr

Estimated taxes if purchased at asking price: ~$5,000/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

  • Jul 17, 2026Price change$255,000−$10,000
  • May 26, 2026Listed$265,000

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

Features

Price$255,000
Price / Sq Ft$176
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,452
Acres0.05 acres
Year Built2024
TypeResidential
Sub-TypeTownhouse
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryLouis Sheffield
MiddleOceanway
HighFirst Coast

Community Information

Address1615 Cluny Road, Jacksonville, FL 32218
Area091-Garden City/Airport
SubdivisionCedar Creek
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Lot Size2,178 sq ft
Parcel Number1062562695

Amenities

AmenitiesNone
UtilitiesCable Available, Electricity Connected, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s)
AppliancesDryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral, Heat Pump, Natural Gas
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryUpper Level
SecuritySmoke Detector(s)

Exterior

RoofShingle
ConstructionWood Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 1, 2026
Days on Market127
HOA Fees$256.67 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInternet, Maintenance Grounds
Tax Amount$4,046.02
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LA ROSA REALTY JACKSONVILLE, LLC.

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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