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This home is in Jacksonville.

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Active

Active·86 days on market

3049 Harbison Street

Jacksonville, FL 32218

$249,000$119/sqftEst. $1,279/moMLS# 2147282

Beds

Baths

2,098

Sq Ft

1956

Built

—

Garage

Pool

About this home

Jacksonville

Come view this Duplex in the Garden City area of Jacksonville. Updated electrical in 2019, new roof in 2020, new septic in 2023, Upstairs hardwoods refinished 2019, and downstairs hardwoods in 2023. 3/1 unit is currently rented at $1295 month to month. Upstairs unit is rented at $840 per month with a lease end date of 07/31/2026. Both units have central HVAC, laundry hookups and dishwashers. The upstairs unit has a washer and dryer supplied by the owners. Huge storage area is around 500 sqft and could be converted into a garage or potentially rented as storage space to the tenants for additional income.

Cost to own

Mortgage calculator

Home Price

$249,000

Down Payment: 20%

$49,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,279

Principal & Interest: $1,279

Property taxes (est.): $407

Insurance (est.): $166

Estimated Total Monthly

$1,851

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,279

Property taxesest. at asking price, Duval County$407

Estimated total, before insurance$1,685/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,663/yr · $305/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	$166,610	$166,610	—
2024	$167,124	$156,313	▲ $6,026
2023	$167,642	$142,103	▲ $10,703
2022	$134,335	$129,185	—

2025 property taxes (current owner): $3,663/yr

Estimated taxes if purchased at asking price: ~$4,900/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,517 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