This home is in Jacksonville.
Active·52 days on market
1536 Harbor Oaks Road
Jacksonville, FL 32207
About this home
Jacksonville
This charming all-brick home blends timeless character with thoughtful updates. Natural light fills the home, creating a warm and inviting atmosphere throughout. Designed for both everyday living and entertaining, it features two spacious living areas connected by a beautifully renovated kitchen with granite countertops, stainless steel appliances, abundant cabinetry, and generous prep space. The front living room offers a cozy wood-burning fireplace, while the rear family room impresses with soaring ceilings and expansive windows overlooking the patio and backyard. A bright flex room provides the perfect space for a home office, hobby room, or playroom.Step outside to a screened patio and large, private fenced backyard. Tucked away in a welcoming neighborhood with convenient access to San Marco, Downtown, and major interstates, this home offers the perfect combination of charm, space, and location.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $376,124 | $296,736 | — |
| 2024 | $337,666 | $287,666 | ▼ $373 |
| 2023 | $385,788 | $335,788 | ▲ $15,543 |
| 2022 | $355,461 | $355,461 | ▲ $15,922 |
| 2021 | $222,629 | $222,629 | — |
| 2020 | $212,873 | $122,317 | — |
2025 property taxes (current owner): $5,812/yr
Estimated taxes if purchased at asking price: ~$8,800/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 1948)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Public water (record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,544 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 homeAs 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 3, 2026Price change$450,000−$39,990
- Jul 14, 2026Price change$489,990−$10,000
- Jun 17, 2026Listed$499,990
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines