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This home is in Jacksonville.

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Active

Active·67 days on market

1524 W 21st Street

Jacksonville, FL 32209

$390,000$167/sqftEst. $2,011/moMLS# 2148071

Beds

Baths

2,340

Sq Ft

1956

Built

—

Garage

Pool

About this home

Jacksonville

**INCOME-PRODUCING***NEWER ROOF** CURRENT RENT ROLL IN DOCUMENTS CURRENTLY MANAGED BY JWB Attention investors! This is a fantastic opportunity to acquire an INCOME-PRODUCING APARTMENT BUILDING. Please note that the photos provided are of Unit 2, showcasing the recent RENOVATIONS. Both Units 1 and 2 have been REMODELED and feature NEW KITCHENS with granite countertops and UPDATED BATHROOMS. For comfort, Units 1, 2, and 3 are equipped with CENTRAL AC, while Unit 4 has a window AC unit. Enjoy the ease of maintenance with all TILE FLOORING throughout. With a NEW ROOF installed in 2021, this property offers LONG-TERM VALUE and appeal. Its prime location provides convenient access to a wealth of shopping and dining options, and the PROXIMITY TO I-95 makes commuting incredibly easy. Plus, you're just minutes away from the vibrant downtown Jacksonville area and all its attractions. Don't miss out on this excellent chance to enhance your investment portfolio! There are two quads for sale.

Cost to own

Mortgage calculator

Home Price

$390,000

Down Payment: 20%

$78,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,011

Principal & Interest: $2,011

Property taxes (est.): $637

Insurance (est.): $260

Estimated Total Monthly

$2,908

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,011

Property taxesest. at asking price, Duval County$637

Estimated total, before insurance$2,648/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,266/yr · $522/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

Last sold: $325,000 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$273,504	$273,504	—
2024	$263,615	$263,615	—
2023	$254,346	$254,346	—
2022	$200,179	$193,330	—
2021	$111,416	$111,416	—
2020	$107,884	$104,955	—

2025 property taxes (current owner): $6,266/yr

Estimated taxes if purchased at asking price: ~$7,600/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 — 2021 per the listing

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

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: ~1,567 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