This home is in Jacksonville.

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Active

Active·13 days on market

2583 Post Street

Jacksonville, FL 32204

$630,000$175/sqftEst. $3,202/moMLS# 2154128

Beds

Baths

3,594

Sq Ft

1923

Built

—

Garage

Pool

About this home

Jacksonville

Investor opportunity in the heart of historic Riverside! This spacious duplex features two 2BR/2BA units, each filled with the timeless charm that makes this neighborhood so desirable. Original hardwood floors, beautiful wood trim, & classic architectural details create an authentic historic feel that attracts long-term tenants. Major capital improvements have already been completed with a new roof and replumbing in 2025, providing peace of mind and reducing future maintenance expenses. A rare bonus is the five off-street parking spaces, along with a 2-story screened porch offering generous outdoor living space for both units. Located just minutes from Riverside's popular restaurants, breweries, parks & shopping, this property is ideally positioned in one of Jacksonville's strongest rental markets. Whether you're expanding your portfolio or making your first investment, this income-producing duplex offers historic character, modern updates, and outstanding long term potential.

Cost to own

Mortgage calculator

Home Price

$630,000

Down Payment: 20%

$126,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,202

Principal & Interest: $3,202

Property taxes (est.): $1,029

Insurance (est.): $420

Estimated Total Monthly

$4,651

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$3,202

Property taxesest. at asking price, Duval County$1,029

Estimated total, before insurance$4,231/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, 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

Last sold: $60,000 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$452,844	$452,844	—
2023	$452,844	$452,844	—
2022	$409,716	$351,772	—
2021	$355,806	$319,793	▲ $16,173
2020	$339,633	$290,721	—

2025 property taxes (current owner): $8,741/yr

Estimated taxes if purchased at asking price: ~$12,300/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: Shingle — year not disclosed (home built 1923)

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: ~1,586 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