Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville.

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Pending

Pending·60 days on market

115 W 4th Street

Jacksonville, FL 32206

$379,900$109/sqftEst. $1,959/moMLS# 2149510

Beds

Baths

3,498

Sq Ft

1904

Built

—

Garage

Pool

About this home

Jacksonville

A rare investment opportunity in the historic heart of Jax's fastest-changing district! This early-1900s Springfield home sits on a coveted double lot with alley access. It fronts West 4th Street, one of Springfield's last surviving brick roads and the very street bringing the neighborhood its name. Beneath the work that this home needs is real character: a wraparound porch, soaring gables, and Victorian millwork worth bringing back to life. Some major systems are already handled - electrical updated (not original) and plumbing partially updated. With its place in Springfield's history secure, this home is ready for its next chapter in the neighborhood's future. This opportunity is only one block from 18-acre Klutho Park, minutes from the $750M+ Pearl Square (bringing 1,250 residences, Publix, restaurants, and hotel), in proximity to the $1.4B Jaguars Stadium of the Future, and the riverfront Four Seasons. Take advantage today of this glowing opportunity with untapped value!

Cost to own

Mortgage calculator

Home Price

$379,900

Down Payment: 20%

$75,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,959

Principal & Interest: $1,959

Property taxes (est.): $620

Insurance (est.): $253

Estimated Total Monthly

$2,833

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,959

Property taxesest. at asking price, Duval County$620

Estimated total, before insurance$2,579/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,432/yr · $203/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$365,977	$106,235	—
2024	$348,407	$102,534	—
2023	$349,420	$98,092	—
2022	$329,141	$93,779	—
2021	$246,928	$89,592	—
2020	$233,339	$87,665	—

2025 property taxes (current owner): $2,432/yr

Estimated taxes if purchased at asking price: ~$7,400/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 C

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

Roof: material not specified — year not disclosed (home built 1904)

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: ~1,692 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