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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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Active

$425,0004 bd · 3 ba · 2,040 sq ft

Active·18 days on market

1075 Nelson Street

Jacksonville, FL 32205

$425,000$208/sqftEst. $2,317/mo mortgageMLS# 2150611
4
Beds
3
Baths
2,040
Sq Ft
1951
Built
—
Garage
No
Pool
FEMA Zone XNo HOA5,663 sqft lotSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Welcome to this beautifully updated 4 bedroom, 3 bath home in Murray Hill, offering more than 2,000 square feet of comfortable living space and a bright, open floor plan. An exceptional financing opportunity makes this home even more attractive, as qualified buyers may be able to assume the seller's existing mortgage at an incredible 2.75% interest rate, subject to lender approval and assumption requirements. Natural light fills the home through numerous windows, highlighting the wider baseboards, premium paint and thoughtful updates throughout. The spacious kitchen features a large island, quartz countertops, abundant cabinetry with soft close drawers and doors, and an oversized refrigerator. Dimmer and sensor lighting add convenience throughout the home.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,317
Property taxesest. at asking price, Duval County$694
Estimated total, before insurance$3,011/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,570/yr · $548/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

$425,000
$85,000
Loan Term
Monthly Payment
$2,317
Principal & Interest: $2,317
Property taxes (est.): $694
Insurance (est.): $283
Estimated Total Monthly
$3,294
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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: material not specified — year not disclosed (home built 1951)

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: ~1,480 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 September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 6:42 AM, sunset 5:39 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$316,315$316,315—
2025$348,685$348,685—
2024$365,680$0—
2024$354,640$354,640▲ $19,560
2023$345,794$0—
2023$348,807$0▲ $9,790
2022$320,070$0—
2022$325,680$325,680▲ $89,187
2021$264,592$0—
2021$197,069$197,069▲ $29,376
2020$192,648$0—
2020$192,908$178,453—

2025 property taxes (current owner): $6,570/yr

Estimated taxes if purchased at asking price: ~$8,300/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

  • Oct 14, 2026Active$425,000
  • Oct 4, 2026Withdrawn$425,000
  • Sep 3, 2026Active$425,000

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 $211/sq ft; this home is listed at $208/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3519 College Street, Jacksonville, FL 32205Listed by HOMEZU.COM OF FLORIDASep 2026$180,000$1093/1.51,656280.3
1077 Dancy Street, Jacksonville, FL 32205Listed by COWFORD REALTY & DESIGN LLCOct 2026$430,000$2064/32,088330.4
1326 Hollywood Avenue, Jacksonville, FL 32205Listed by COWFORD REALTY & DESIGN LLCSep 2026$550,000$3083/21,786230.4
1217 Cook Street, Jacksonville, FL 32205Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$237,000$1633/21,45200.6
4561 Attleboro Street, Jacksonville, FL 32205Listed by JWB REALTY LLCOct 2026$430,000$2114/2.52,037250.7
1453 Belvedere Avenue, Jacksonville, FL 32205Listed by KELLER WILLIAMS JACKSONVILLESep 2026$655,000$3113/2.52,103600.7

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$425,000
Price / Sq Ft$208
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,040
Acres0.13 acres
Year Built1951
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryRuth N. Upson
MiddleLake Shore
HighRiverside

Community Information

Address1075 Nelson Street, Jacksonville, FL 32205
Area051-Murray Hill
SubdivisionMurray Hill Heights
CityJacksonville
CountyDuval
StateFL
Zip Code32205
Lot Size5,662.8 sq ft
Parcel Number0790900000

Amenities

UtilitiesOther
Water SourcePublic
ParkingCarport, Off Street

Interior

Interior FeaturesEntrance Foyer, Kitchen Island
AppliancesElectric Range, Refrigerator
CoolingOther
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Other StructuresOther

Additional Information

Date ListedOctober 15, 2026
Days on Market18
Tax Amount$6,570.09
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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

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20+ years · 500+ closings · NE Florida

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