This home is in Jacksonville.

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Active

Active·14 days on market

1147 W 23rd Street

Jacksonville, FL 32209

$209,900$164/sqftEst. $1,070/moMLS# 2153883

Beds

Baths

1,283

Sq Ft

2026

Built

—

Garage

Pool

About this home

Jacksonville

This beautifully designed new build offers 3bd, 2ba, and 1,283 sqft of thoughtfully planned living space. From the moment you arrive, the charming front porch sets the tone, perfect for enjoying your morning coffee or unwinding after a long day. The home features floor to ceiling tile baths, LVP in the main areas, stainless steel appliances, and more. The open floor plan is made for everyday living and easy entertaining. The spacious gathering area flows seamlessly into the dining space and kitchen, creating the perfect setup for hosting friends, enjoying family meals, and keeping everyone connected. The back porch, covered for shade, gives you another peaceful spot to sip coffee and relax. This home is an excellent opportunity for first-time homebuyers looking for a fresh start. Schedule your showing today. Some images are digital renderings/virtual representations and are for illustration purposes only. Actual finishes, landscaping, and appearance may vary.

Cost to own

Mortgage calculator

Home Price

$209,900

Down Payment: 20%

$41,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,070

Principal & Interest: $1,070

Property taxes (est.): $343

Insurance (est.): $140

Estimated Total Monthly

$1,553

*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$1,070

Property taxesest. at asking price, Duval County$343

Estimated total, before insurance$1,413/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2024	$9,790	$5,465	—
2023	$5,340	$4,969	—
2022	$25,616	$23,644	—
2021	$21,495	$21,495	—
2020	$20,750	$20,750	—

2025 property taxes (current owner): $143/yr

Estimated taxes if purchased at asking price: ~$4,100/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 (2024), 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2026)

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: ~956 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