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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Sold

Sold·Closed Jul 15, 2026·6 days on market·Recent sales in Jacksonville

3623 Oak Street

Jacksonville, FL 32205

$630,000sold priceListed at $640,000 · 98.4% of asking$420/sqftMLS# 2149181
3
Beds
2
Baths
1,500
Sq Ft
1927
Built
1
Garage
No
Pool
No HOA6,534 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Prepare to fall in love with this turn-key, Avondale masterpiece! Nestled just two blocks from the vibrant Shops of Avondale, this 1,500 sq ft historic gem seamlessly blends timeless charm with high-end, modern luxury. Step inside to an abundance of natural light dancing across beautifully preserved original hardwood floors. The heart of the home is a true chef's kitchen, fully equipped with a stunning waterfall island, elegant under-cabinet lighting, and a seamless flow into a highly functional new butler's pantry/mudroom combo. The thoughtful layout features two complete en-suites, offering ultimate privacy for guests. A recent 400 sq ft primary suite expansion serves as your private sanctuary, boasting its own separate air control zone, walk-in closet, and a spa-like primary bath complete with a large shower, sun-drenched skylight, and a separate water closet. Outside, enjoy a fully fenced-in yard perfect for pets and entertaining, and private alley access. Schedule your tour today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,490
Property taxesest. at asking price, Duval County$1,029
Estimated total, before insurance$4,518/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,133/yr · $428/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$630,000
$126,000
Loan Term
Monthly Payment
$3,490
Principal & Interest: $3,490
Property taxes (est.): $1,029
Insurance (est.): $420
Estimated Total Monthly
$4,938
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

YearMarket valueTaxable valueChange
2025$270,591$266,084—
2024$282,998$241,895▲ $7,006
2023$281,159$219,905▲ $27,936
2022$248,040$199,914—
2021$214,175$181,740—
2020$165,219$165,219—

2025 property taxes (current owner): $5,133/yr

Estimated taxes if purchased at asking price: ~$12,300/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 15, 2026Closed$640,000

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 $427/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3624 Oak Street, Jacksonville, FL 32205Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$712,000$5003/21,42430
3674 Walsh Street, Jacksonville, FL 32205Listed by KELLER WILLIAMS FIRST COAST REALTYSep 2026$475,000$2505/31,90040.2
1326 Hollywood Avenue, Jacksonville, FL 32205Listed by COWFORD REALTY & DESIGN LLCSep 2026$550,000$3083/21,786230.7
1692 Pershing Road, Jacksonville, FL 32205Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$415,000$2443/2.51,69840.7
2944 Olga Place, Jacksonville, FL 32205Listed by COMPASS FLORIDA LLCOct 2026$439,000$3223/21,3641280.8
1217 Cook Street, Jacksonville, FL 32205Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$237,000$1633/21,45200.8

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

Price$640,000
Price / Sq Ft$427
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,500
Acres0.15 acres
Year Built1927
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address3623 Oak Street, Jacksonville, FL 32205
Area032-Avondale
SubdivisionSt Johns Heights
CityJacksonville
CountyDuval
StateFL
Zip Code32205
Lot Size6,534 sq ft
Parcel Number0920600000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOff Street, On Street

Interior

Interior FeaturesButler Pantry, Kitchen Island, Open Floorplan, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Oven, Electric Water Heater, Refrigerator, Washer, Wine Cooler
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
# of Stories1
LevelsOne
Window FeaturesSkylight(s)

Exterior

Patio / PorchFront Porch, Rear Porch
FencingFull
Road FrontageAlley, City Street

Additional Information

Date ListedJune 6, 2026
Days on Market6
Tax Amount$5,133.24
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 15, 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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