This home is in Jacksonville.
Sold·Closed Jul 7, 2026·2 days on market·Recent sales in Atlantic Beach
909 Gavagan Road
Jacksonville, FL 32233
About this home
Jacksonville
Welcome to 909 Gavagan Road -- a beautifully updated home in the heart of Jacksonville! This move-in ready property features a brand new roof and stylish modern upgrades throughout. Step inside to an open-concept kitchen showcasing quartz countertops, brand new cabinetry, and a layout perfect for entertaining. The bathrooms have been tastefully renovated with tiled showers and quartz-topped vanities, creating a clean and luxurious feel. New luxury vinyl plank flooring runs throughout the home, complemented by fresh interior and exterior paint for a bright, modern finish. Whether you're looking for your next home or an investment opportunity, this fully refreshed property offers comfort, style, and peace of mind with all the major updates already completed. Roof is 2026, Water Heater is 2026, HVAC is 2022.
Next steps in Atlantic Beach
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 B
Zone B evacuates after zone A in an approaching storm.
Roof: material not specified — 2026 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,787 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 | $266,870 | $133,537 | — |
| 2024 | $246,113 | $129,067 | — |
| 2023 | $247,045 | $123,852 | — |
| 2022 | $208,310 | $118,789 | — |
| 2021 | $176,139 | $113,873 | — |
| 2020 | $169,652 | $111,611 | — |
2025 property taxes (current owner): $2,916/yr
Estimated taxes if purchased at asking price: ~$7,700/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 7, 2026Closed$399,000
- Jun 4, 2026Listed$399,000
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 $271/sq ft; this home is listed at $266/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 905 Gavagan Road, Jacksonville, FL 32233Listed by EXP REALTY LLC | Aug 2026 | $300,000 | $211 | 3/2 | 1,424 | 155 | 0 |
| 925 Majestic Cypress Drive N, Jacksonville, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $380,000 | $271 | 3/2 | 1,401 | 44 | 0.1 |
| 2815 Majestic Cypress Drive E, Jacksonville, FL 32233Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $324,030 | $219 | 4/2 | 1,477 | 66 | 0.2 |
| 2570 S Stern Drive S, Jacksonville, FL 32233Listed by SUNCOAST PROPERTY MANAGEMENT LLC | Aug 2026 | $345,000 | $208 | 3/2 | 1,655 | 10 | 0.3 |
| 1124 Nantucket Avenue, Jacksonville, FL 32233Listed by MIDDLETON REALTY, INC. | Jul 2026 | $549,900 | $309 | 3/2 | 1,780 | 4 | 0.4 |
| 2464 Spokane Avenue E, Jacksonville, FL 32233Listed by MOMENTUM REALTY | Jul 2026 | $330,000 | $304 | 3/1 | 1,085 | 10 | 0.5 |
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: GREEN PALM REALTY & PROPERTY MANAGEMENT
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
This home sold on Jul 7, 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
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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