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 — a waterfront home in Jacksonville.

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Active Under Contract

Active Under Contract·49 days on market

5388 Rollins Avenue

Jacksonville, FL 32207

$589,900$274/sqftEst. $3,036/moMLS# 2152533

Beds

Baths

2,154

Sq Ft

1952

Built

Garage

Pool

About this home

Jacksonville

A Mid-Century Modern Lover's Dream! Located just outside highly desirable San Marco, this truly unique, one of a kind property is a rare find. Originally designed and built in 1952 by an architect and his wife, the home remained in the family until 2021. The current owners recognized its incredible potential and thoughtfully took the home down to its bones, restoring and redesigning while preserving its mid-century character. The result is the perfect blend of modern convenience and timeless 1950s charm. You get the perks of a new build with the soul of an architectural gem! Boasting just over 2,100 square feet on a stunning ¾ acre waterfront lot, this property offers endless opportunities for entertaining, family gatherings, and enjoying the outdoors. Floor to ceiling windows flood the home with natural light and frame views of majestic live oaks and lush greenery, creating a true Old Florida ambiance.

Cost to own

Mortgage calculator

Home Price

$589,900

Down Payment: 20%

$117,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,036

Principal & Interest: $3,036

Property taxes (est.): $963

Insurance (est.): $393

Estimated Total Monthly

$4,392

*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$3,036

Property taxesest. at asking price, Duval County$963

Estimated total, before insurance$3,999/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,493/yr · $291/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	$175,249	$175,249	▲ $13,208
2024	$162,023	$162,023	▼ $6,536
2023	$161,972	$161,972	—
2022	$161,707	$161,707	▲ $39,291
2021	$196,100	$196,100	—
2020	$233,377	$233,377	▲ $5,498

2025 property taxes (current owner): $3,493/yr

Estimated taxes if purchased at asking price: ~$11,600/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 D

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

Roof: Shingle — year not disclosed (home built 1952)

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

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: ~661 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