Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville.

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Active

Active·51 days on market

4224 Redwood Avenue

Jacksonville, FL 32207

$359,000$315/sqftEst. $1,848/moMLS# 2152306

Beds

Baths

1,138

Sq Ft

1944

Built

Garage

Pool

About this home

Jacksonville

*Charming brick home with timeless curb appeal under a canopy of mature trees* *Hendricks Elementary School Zone* *Fully updated kitchen featuring white shaker cabinets, stainless steel appliances, and modern finishes* *Beautiful hardwood floors throughout main living areas adding warmth and character* *Light-filled living room with large windows and inviting, open feel* *Dedicated dining space perfect for everyday living and entertaining* *Updated bathroom with stylish tile work and contemporary fixtures* *Flex space ideal for home office, playroom, or cozy retreat* *Spacious backyard with plenty of room to relax, entertain, or expand* *Detached two-car garage with potential for conversion* *Garage prepped for mother-in-law suite with separate electrical panel and plumbing in place* *Major system updates including roof (2021), HVAC (2022), plumbing, electrical, & water heater (2021)* *Located in a walkable, nostalgic neighborhood with a true sense of community*

Cost to own

Mortgage calculator

Home Price

$359,000

Down Payment: 20%

$71,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,848

Principal & Interest: $1,848

Property taxes (est.): $586

Insurance (est.): $239

Estimated Total Monthly

$2,673

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,848

Property taxesest. at asking price, Duval County$586

Estimated total, before insurance$2,434/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,755/yr · $396/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	$301,012	$237,202	▲ $18,987
2024	$284,829	$229,810	▼ $749
2023	$271,661	$221,661	—
2022	$264,391	$214,391	▲ $61,166
2021	$183,791	$183,791	—
2020	$176,524	$176,524	—

2025 property taxes (current owner): $4,755/yr

Estimated taxes if purchased at asking price: ~$7,000/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 D

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

Roof: Shingle — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · Public water · JEA

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: ~1,154 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