This home is in Jacksonville.
Sold·Closed Jul 10, 2026·4 days on market·Recent sales in Jacksonville
2954 Downing Street
Jacksonville, FL 32205
About this home
Jacksonville
Beautifully renovated storybook cottage tucked away in a private oasis and ready for its new owner! From the moment you pull up, you will be drawn into this home that effortlessly blends historic features with modern updates. Pavers in the front provide a clean palette as you walk into your living room with real wood walls and beautiful fireplace mantel. Wood trim details are in all the right places. The kitchen has been opened up to the dining room, creating a more modern floor plan for today's lifestyle. Upstairs, you'll find generously sized rooms, along with upstairs laundry - making it easy to finish those household chores! The backyard is deep and so spacious! Plenty of room for a garden and your outdoor living dreams. A shed in the back provides extra storage. This home is conveniently located in Avondale just minutes away from I10/I95, NAS, and downtown. This home truly is dreamy.
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 (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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 1936)
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: ~1,387 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $297,236 | $130,775 | — |
| 2024 | $309,858 | $126,382 | ▲ $33,619 |
2025 property taxes (current owner): $2,837/yr
Estimated taxes if purchased at asking price: ~$9,000/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 12, 2026Closed$459,000
- Jun 5, 2026Listed$459,000
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 $308/sq ft; this home is listed at $263/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2944 Olga Place, Jacksonville, FL 32205Listed by COMPASS FLORIDA LLC | Oct 2026 | $439,000 | $322 | 3/2 | 1,364 | 128 | 0.1 |
| 2893 Downing Street, Jacksonville, FL 32205Listed by 1 REALTY CORP | Sep 2026 | $377,000 | $272 | 3/2 | 1,386 | 24 | 0.1 |
| 1326 Hollywood Avenue, Jacksonville, FL 32205Listed by COWFORD REALTY & DESIGN LLC | Sep 2026 | $550,000 | $308 | 3/2 | 1,786 | 23 | 0.3 |
| 1453 Belvedere Avenue, Jacksonville, FL 32205Listed by KELLER WILLIAMS JACKSONVILLE | Sep 2026 | $655,000 | $311 | 3/2.5 | 2,103 | 60 | 0.3 |
| 1827 Cherry Street, Jacksonville, FL 32205Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $490,000 | $260 | 3/2.5 | 1,886 | 59 | 0.6 |
| 3323 Post Street, Jacksonville, FL 32205Listed by EXP REALTY LLC | Sep 2026 | $164,625 | $115 | 3/2 | 1,426 | 83 | 0.7 |
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
Exterior
Additional Information
Listing Courtesy of: COWFORD REALTY & DESIGN 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
This home sold on Jul 10, 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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