This home is in Jacksonville.
Sold·Closed Jul 29, 2026·12 days on market·Recent sales in Over 55 & Active Adult
154 Polk Road
Jacksonville, FL 32218
About this home
Jacksonville
Welcome to 154 Polk Rd - a charming concrete block home situated on a generously sized corner lot just shy of a quarter acre with no HOA or CDD fees, plus a spacious metal shed for extra storage, workshop space, or hobby use. This move-in ready 2-bedroom, 1-bath home combines farmhouse-inspired character with thoughtful updates, including a metal roof, updated flooring, stainless steel appliances, a tankless water heater, newer well and septic, as well as fresh interior & exterior paint, plus a 30AMP RV hookup! A spacious front porch welcomes you home and offers the perfect spot to relax with your morning coffee or unwind in the evenings. Enjoy the freedom of homeownership with plenty of outdoor space to garden, entertain, or simply enjoy the peaceful setting. Conveniently located just minutes from Jacksonville International Airport, River City Marketplace, I-95, I-295, shopping, dining, and
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 (that applies to the reference bill above too).
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 E
Zone E evacuates after zones A, B, C, D in an approaching storm.
Roof: Metal — year not disclosed (home built 1983)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Private well (public 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: ~1,687 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 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $141,242 | $141,242 | ▲ $8,832 |
| 2024 | $132,983 | $82,983 | ▲ $2,670 |
| 2023 | $131,225 | $81,225 | — |
| 2022 | $120,203 | $120,203 | — |
2025 property taxes (current owner): $2,860/yr
Estimated taxes if purchased at asking price: ~$3,900/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.
History
Price & status history
- Jul 29, 2026Closed$200,000
- Jun 2, 2026Listed$200,000
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 $130/sq ft; this home is listed at $240/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 14331 Lyle Road, Jacksonville, FL 32218Listed by REDFIN CORPORATION | Aug 2025 | $120,000 | $130 | 2/2 | 924 | 40 | 0.1 |
| 118 Orangedale Avenue, Jacksonville, FL 32218Listed by WATSON REALTY CORP | Jun 2026 | $90,000 | $94 | 3/2 | 960 | 31 | 2.1 |
| 724 Renfro Road, Jacksonville, FL 32218Listed by FREEDOM REALTY GROUP LLC | Aug 2026 | $68,000 | $70 | 3/1 | 976 | 14 | 2.2 |
| 13203 Dunn Creek Road, Jacksonville, FL 32218Listed by WATSON REALTY CORP (Prop Mgmt) | Jul 2026 | $170,000 | $177 | 2/1 | 960 | 26 | 2.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LISA DUKE 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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 29, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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