This home is in Jacksonville.

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Active Under Contract

Active Under Contract·45 days on market

3855 San Jose Boulevard

Jacksonville, FL 32207

$1,300,000$424/sqftEst. $6,628/moMLS# 2149328

Beds

Baths

3,063

Sq Ft

1936

Built

—

Garage

Pool

About this home

Jacksonville

A beautiful, historic 1936 estate with original hardwood floors throughout. Charming home on corner lot selling with approx .53 acres total homesite in the heart of San Marco! Sellers have updated baths, kitchen & all the unseen but necessary details for structural integrity & comfort of todays living standards. 3 bedrooms & 2 full baths upstairs. Multiple extra spaces for office, studio, nursery, etc. upstairs. Detached carport with electric car charger & solar roof panels. Guest House attached to car port as is. Whole home rewire, all new lighting, house replumb, Roof, HVAC, full kitchen reno, foam insulation, new drywall & insulate in specific areas, gutters & paint. Listed on 3 MLS #'s 1)Home plus .88 acres # 2149320, 2) Home plus approx .53 acres # 2149328 & 3) #2149317 .35 acre vacant lot to front Morvenwood Rd. First come first serve! Oh - fruit trees, grapes, sunflowers, bird lovers paradise! Natural gas community too!

Cost to own

Mortgage calculator

Home Price

$1,300,000

Down Payment: 20%

$260,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$6,628

Principal & Interest: $6,628

Property taxes (est.): $2,123

Insurance (est.): $867

Estimated Total Monthly

$9,618

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$6,628

Property taxesest. at asking price, Duval County$2,123

Estimated total, before insurance$8,751/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

Last sold: $1,200,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$955,689	$487,684	—
2024	$934,744	$473,233	▼ $140
2023	$943,714	$454,981	▲ $208,463
2022	$722,776	$248,768	—
2021	$507,557	$240,052	▼ $9,157
2020	$510,225	$236,541	▼ $30,581

2025 property taxes (current owner): $9,199/yr

Estimated taxes if purchased at asking price: ~$25,500/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.

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 D

Zone D evacuates after zones A, B, C in an approaching storm.

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: ~1,502 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 home

As 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.

History