This home is in Jacksonville.
Active·132 days on market
144 Spring Street
Jacksonville, FL 32254
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Property is being offered AS-IS at a discounted price, presenting an excellent opportunity for investors or buyers looking to add value. This beautiful 3-bedroom, 1-bathroom concrete block home features great bones, a bright and clean interior, an elegant feel, and a well-designed layout that offers comfortable and functional living space. Located on Jacksonville's Northwest side, the home has strong potential and just needs a few updates to get it back up and running. This property may be purchased individually or as part of a larger portfolio. Complete list of properties, is available. The entire portfolio may be acquired using a ''subject-to'' financing structure, subject to mutually acceptable terms.
Next steps in Jacksonville
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 1963)
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: ~1,276 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.
Cost to own
Taxes & assessment
Last sold: $93,000 in July 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $98,892 | $98,892 | ▲ $18,670 |
| 2024 | $74,293 | $18,610 | ▲ $3,337 |
| 2023 | $73,466 | $17,340 | — |
| 2022 | $63,262 | $16,107 | — |
| 2021 | $41,562 | $14,910 | — |
| 2020 | $40,376 | $14,359 | ▲ $4,450 |
Estimated taxes if purchased at asking price: ~$2,400/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
- May 31, 2026Listed$120,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $161/sq ft; this home is listed at $139/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2972 Dignan Street, Jacksonville, FL 32254Listed by ALLISON JAMES ESTATES AND HOMES FLORIDA | Aug 2026 | $78,500 | $74 | 3/1 | 1,061 | 49 | 0.2 |
| 2929 Spencer Street, Jacksonville, FL 32254Listed by FREEDOM REALTY GROUP LLC | Aug 2026 | $127,500 | $131 | 3/2 | 975 | 218 | 0.2 |
| 2332 Westbrook Circle S, Jacksonville, FL 32209Listed by MOMENTUM REALTY | Aug 2026 | $60,000 | $69 | 2/1 | 873 | 118 | 0.6 |
| 3153 Ernest Street, Jacksonville, FL 32205Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $210,000 | $207 | 3/1 | 1,015 | 100 | 0.8 |
| 3526 Ernest Street, Jacksonville, FL 32205Listed by COMPASS FLORIDA LLC | Sep 2026 | $219,900 | $230 | 3/1 | 957 | 37 | 1 |
| 3021 Commonwealth Avenue, Jacksonville, FL 32254Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Sep 2026 | $174,000 | $161 | 3/2 | 1,080 | 98 | 1.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: ZALLOUM REALTY 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.
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Krista Fracke
Broker Associate
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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