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This home is in Jacksonville.

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Active

Active·49 days on market

2337 Gilmore Street

Jacksonville, FL 32204

$398,000$337/sqftEst. $2,029/moMLS# 2151069

Beds

Baths

1,180

Sq Ft

1925

Built

—

Garage

Pool

About this home

Jacksonville

Fully Occupied, beautifully renovated Riverside duplex in an unbeatable location near both 5 Points and the King Street District. Both units have been updated in 2020 with new HVAC systems and ductwork, new drain and water lines, new flooring, and new kitchens featuring granite countertops and stainless steel appliances. Each kitchen also offers space for a stackable washer and dryer. The large backyard provides an opportunity to add extra parking or create a private outdoor amenity space with a firepit. Separate electric meters add convenience, with water and sewer currently shared on one meter. Zoned CRO allowing residential or office use, this historic Riverside duplex offers incredible flexibility for investors or owner-occupants. Buyer to verify all information, including but not limited to zoning, permitted uses.

Cost to own

Mortgage calculator

Home Price

$398,000

Down Payment: 20%

$79,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,029

Principal & Interest: $2,029

Property taxes (est.): $650

Insurance (est.): $265

Estimated Total Monthly

$2,944

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,029

Property taxesest. at asking price, Duval County$650

Estimated total, before insurance$2,679/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,763/yr · $397/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	$228,625	$228,625	▼ $9,145
2024	$237,770	$237,770	—
2023	$237,770	$190,806	—
2022	$173,460	$173,460	—
2021	$198,240	$198,240	▲ $24,485
2020	$173,755	$116,623	—

2025 property taxes (current owner): $4,763/yr

Estimated taxes if purchased at asking price: ~$7,800/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.

Hurricane evacuation zone C

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

Roof: material not specified — year not disclosed (home built 1925)

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: ~1,418 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