This home is in Kensington, Jacksonville.

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Pending

Pending·45 days on market·Kensington

2098 Forest Gate Drive E

Jacksonville, FL 32246

$419,000$204/sqftEst. $2,230/moMLS# 2148147

Beds

Baths

2,052

Sq Ft

1993

Built

Garage

Pool

About this home

Kensington

Fantastic investor opportunity in the highly desirable Kensington neighborhood!!! This 4 bedroom, 2 bath home offers a great layout and spacious backyard with tons of potential for renovation or a profitable fix and flip. Located in a well maintained community offering a pool, playground, tennis courts, and mature tree lined streets. Walking and biking distance to A-rated elementary and middle schools, adding even more appeal for future resale. Sold AS-IS. Perfect for investors looking to unlock value in a strong and centrally located neighborhood. 10 minutes to the beaches, 20 mins to downtown, close to Mayo and the Mayport Naval Base.

Cost to own

Mortgage calculator

Home Price

$419,000

Down Payment: 20%

$83,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,130

Principal & Interest: $2,130

Est. Taxes & Insurance: $532

Estimated Total Monthly

$2,662

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,230

Property taxesest. at asking price, Duval County$684

HOAbilled annually$73

Estimated total, before insurance$2,987/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$350,833	$138,205	—
2024	$351,145	$133,603	—
2023	$362,738	$128,256	—
2022	$329,881	$123,065	—
2021	$248,427	$118,025	—
2020	$218,410	$115,706	—

2025 property taxes (current owner): $2,981/yr

Estimated taxes if purchased at asking price: ~$8,200/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.