This home is in Jacksonville.
Active·8 days on market
45 W 4th Street
Jacksonville, FL 32206
Jacksonville
About this home
Located in the heart of the Springfield Historic District on one of Jacksonville's few remaining brick-paved streets, this beautifully restored home blends historic charm with modern updates. A completely remodeled kitchen and primary bath, updated HVAC units (downstairs 2022, upstairs 2025), soaring ceilings, original hardwood floors offer thoughtful details that are full of comfort and character. The backyard is built for entertaining: a composite-decked patio and a one-of-a-kind private mural by a local artist make it a beautifully unique and inviting space to gather. Just minutes from Downtown Jacksonville and less than a mile from Gateway Jax's Pearl Square development, bringing a Publix, along with a growing mix of dining, retail, and entertainment - this home is a great fit whether you're looking for a primary residence, investment property or AirBnb, in one of Jacksonville's most sought-after historic neighborhoods.
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $320,229 | $259,473 | — |
2025 property taxes (current owner): $5,151/yr
Estimated taxes if purchased at asking price: ~$9,200/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 3,908 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: Metal — year not disclosed (home built 1904)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,634 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Jul 8, 2026Price change$469,900−$5,000
- Jul 1, 2026Listed$474,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Springfield
Active$474,500MLS# 2132838Est. $2,525/mo1614 N Market Street, Jacksonville, FL 322063 Beds3 Baths2,065 sqftWelcome to this beautifully restored historic gem in the heart of Springfield, Jacksonville's premier historic…
ResidentialCHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Active$474,900MLS# 2153378Est. $2,528/mo205 E 1st Street, Jacksonville, FL 322065 Beds4 Baths2,723 sqftRare Historic Springfield Investment Opportunity with Major Potential! Own a piece of Jacksonville history with this…
ResidentialRE FLORIDA HOMES LLC
Active$484,000MLS# 2136484Est. $2,576/mo1825 Perry Street, Jacksonville, FL 322065 Beds3 Baths2,080 sqftLive in One, Help a Parent (or Tenant) in the Other. Welcome home to a beautifully restored historic duplex in…
Residential904 REALTY LLC
Active$455,000MLS# 2126078Est. $2,422/mo422 7th Street W, Jacksonville, FL 322064 Beds3 Baths1,916 sqftWelcome to this Beautiful Home with an Eye-Catching Front Porch surrounded by the Beautiful Fence and Staircase to the…
ResidentialUNITED REAL ESTATE GALLERY
Keep looking
Similar homes in Jacksonville
Active$525,000MLS# 2147856Est. $2,794/mo12227 Flynn Woods Road, Jacksonville, FL 322233 Beds2 Baths2,072 sqftResidentialRE/MAX SPECIALISTS
Active Under Contract$545,000MLS# 2147467Est. $2,901/mo6197 Kissengen Spring Court, Jacksonville, FL 322585 Beds4 Baths3,025 sqftResidentialHERRON REAL ESTATE LLC
Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines