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This home is in Jacksonville.

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Pending

Pending·66 days on market

3766 Sommers Street

Jacksonville, FL 32205

$339,900$292/sqftEst. $1,749/moMLS# 2149930

Beds

Baths

1,166

Sq Ft

1941

Built

Garage

Pool

About this home

Jacksonville

Welcome to this beautiful brick 2-bedroom, 2-bath bungalow in the heart of Avondale! With 1,166 square feet of living space, this charming home combines modern updates with classic character. Step inside to find a freshly painted interior, original hardwood floors in the living areas and bedrooms, and a cozy living room with a fireplace. The refreshed kitchen boasts solid wood cabinetry, sleek countertops, and a tile backsplash. The home features two well appointed bathrooms, including a hallway bath equipped with a deep soaking tub, alongside a private primary suite bathroom. Exterior features include a new privacy fence and freshly laid sod spanning both the front and back yards. A long driveway offers ample parking for multiple vehicles that leads to the detached garage. In the rear, dual French doors open onto a concrete back porch, creating the perfect space for outdoor enjoyment.

Cost to own

Mortgage calculator

Home Price

$339,900

Down Payment: 20%

$67,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,749

Principal & Interest: $1,749

Property taxes (est.): $555

Insurance (est.): $227

Estimated Total Monthly

$2,531

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,749

Property taxesest. at asking price, Duval County$555

Estimated total, before insurance$2,304/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,287/yr · $274/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	$290,804	$154,429	—
2024	$269,397	$149,370	▼ $135
2023	$277,823	$143,564	▲ $11,250
2022	$258,063	$137,927	▲ $22,500
2021	$203,803	$132,454	—
2020	$187,451	$129,935	—

2025 property taxes (current owner): $3,287/yr

Estimated taxes if purchased at asking price: ~$6,700/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: Shingle — year not disclosed (home built 1941)

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: ~1,019 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 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