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Active

Active·59 days on market

2647 Forbes Street

Jacksonville, FL 32204

$480,000$227/sqftEst. $2,475/moMLS# 2149820

Beds

Baths

2,110

Sq Ft

1928

Built

—

Garage

Pool

About this home

Jacksonville

Stunning renovated Riverside home with rare 5.5% FHA assumable loan is convenient to 5 points, St Vincents, and the King street district. It is located in the center of desirable Riverside. This 2-story home has 3 bedrooms and 3 full baths with a covered front porch to enjoy and relax. The home features the original refinished wood floors, spacious bedrooms with great closet space and updated bathrooms. The chef will love the beautiful kitchen that features 42'' wood cabinets, granite countertops, an eat-in breakfast bar, stainless steel appliances, and ample cabinet storage with rollout drawers. The living and dining rooms have ample room for all of your furniture to entertain your family and friends. All the appliances stay including the washer and dryer. The large backyard is mostly fenced and has an oversized shed and room for children and pets to play. You will love the historic and modern touches of this special home. Fireplace is non-working

Cost to own

Mortgage calculator

Home Price

$480,000

Down Payment: 20%

$96,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,475

Principal & Interest: $2,475

Property taxes (est.): $784

Insurance (est.): $320

Estimated Total Monthly

$3,579

*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$2,475

Property taxesest. at asking price, Duval County$784

Estimated total, before insurance$3,259/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,643/yr · $637/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

Last sold: $520,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$410,827	$410,827	—
2024	$424,426	$374,426	▲ $32,154
2023	$399,420	$399,420	—
2022	$387,198	$387,198	▲ $29,181
2021	$315,156	$230,602	▲ $27,276
2020	$281,668	$226,728	—

2025 property taxes (current owner): $7,643/yr

Estimated taxes if purchased at asking price: ~$9,400/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1928)

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: ~1,681 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

Price & status history

Aug 4, 2026Price change$480,000−$15,000
Jul 25, 2026Price change$495,000−$4,900
Jun 10, 2026Listed$499,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$480,000

Price / Sq Ft$227

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,110

Total Structure Area2,320 sq ft

Acres0.15 acres

Year Built1928

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

School Information

ElementaryWest Riverside

MiddleLake Shore

HighRiverside

Community Information

Address2647 Forbes Street, Jacksonville, FL 32204

Area031-Riverside

SubdivisionNew Riverside

CityJacksonville

CountyDuval

StateFL

Zip Code32204

Lot Size6,534 sq ft

Lot Dimensions50 x 125

Parcel Number0642460000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, On Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Water Heater, Gas Oven, Gas Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Lot DescriptionHistoric Area

Patio / PorchCovered, Front Porch

FencingFenced, Back Yard

RoofShingle

ConstructionStucco

Other StructuresShed(s)

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJune 10, 2026

Days on Market55

Tax Amount$7,642.56

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: INI REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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