This home is in Jacksonville.

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Active

Active·22 days on market

400 E Bay Street 1704

Jacksonville, FL 32202

$390,000$291/sqftEst. $1,988/moMLS# 2151481

Beds

Baths

1,338

Sq Ft

2003

Built

Garage

Pool

About this home

Jacksonville

Experience the pinnacle of urban living in this completely remodeled 2-bedroom, 2-bathroom condominium, offering breathtaking views of downtown & the river. No other unit in the building matches the sheer beauty & craftsmanship of this home. Every inch of this condo has been meticulously upgraded, featuring luxury vinyl plank flooring, custom cabinetry, & exquisite quartz countertops. The brand-new appliances, HVAC system, water heater, & high-end water filtration system ensure modern comfort & convenience. The unit is equipped with smart features, including intelligent lighting, mirrors, security system, locks, and blinds--even the appliances are smart-enabled. The custom tile work & high-end fixtures add a touch of elegance throughout. This condo is a perfect blend of luxury & technology, completely renovated & ready for a new owner. Don't miss the chance to own this unparalleled piece of real estate in the heart of the city.

Cost to own

Mortgage calculator

Home Price

$390,000

Down Payment: 20%

$78,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,988

Principal & Interest: $1,988

Property taxes (est.): $637

Insurance (est.): $260

Estimated Total Monthly

$2,885

*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$1,988

Property taxesest. at asking price, Duval County$637

HOAbilled monthly$1,188

Estimated total, before insurance$3,813/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,874/yr · $323/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: $324,900 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$242,000	$191,278	▼ $19,500
2024	$261,500	$261,500	—
2023	$261,500	$261,500	—
2022	$223,000	$223,000	—
2021	$215,500	$215,500	▲ $24,500
2020	$212,500	$212,500	—

2025 property taxes (current owner): $3,874/yr

Estimated taxes if purchased at asking price: ~$7,600/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 2003)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,649 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

Jul 1, 2026Listed$390,000

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

Features

Price$390,000

Price / Sq Ft$291

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,338

Year Built2003

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

# of Garages4

Has PoolNo

Is WaterfrontYes

Community Information

Address400 E Bay Street 1704, Jacksonville, FL 32202

Area073-Downtown Jacksonville-Northbank

SubdivisionThe Plaza Condominium At Berkman

CityJacksonville

CountyDuval

StateFL

Zip Code32202

Parcel Number0733490360

Amenities

AmenitiesPool, Elevator(s), Fitness Center, Pickleball, Sauna, Security, Spa/Hot Tub, Tennis Court(s), Trash

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Covered, Garage, Gated

ViewCity

Waterfront TypeNavigable Water, River Access, River Front

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LaundryIn Unit

Security24 Hour Security, Closed Circuit Camera(s), Fire Alarm, Fire Sprinkler System, Secured Elevator, Secured Lobby, Security Gate, Smoke Detector(s)

Spa FeaturesIn Ground, Community