This home is in Jacksonville.
Active Under Contract·93 days on market
2959 Frances Avenue
Jacksonville, FL 32218
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
**NEWER BUILD**NEW HVAC**NEW ELECTRIC** Welcome to this immaculate, 2022 build situated on a HUGE CORNER LOT with NO HOA OR CDD. This 2 bed/2 bath home features an open layout with a SPLIT BEDROOM FLOOR PLAN and has NEVER BEEN LIVED IN. Inside, you will find vinyl flooring throughout - no carpet! The kitchen features a food prep island, elegant wooden cabinetry, a breakfast bar, and NEW STAINLESS STEEL APPLIANCES. The primary bathroom offers a double vanity and a HUGE walk in closet. Built for peace of mind, the property features a new HVAC, electric, plumbing, WELL PUMP and more, alongside indoor laundry and all new skirting. Enjoy the outdoors on your NEW FRONT DECK and NEW BACK DECK. Conveniently located close to Baptist North, shopping, restaurants and more, this move-in ready gem blends comfort and convenience perfectly!
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, 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic
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: ~1,112 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 homeAs 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $34,500 in March 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $17,800 | $17,800 | — |
| 2024 | $23,846 | $11,446 | ▲ $4,198 |
| 2023 | $19,819 | $10,406 | ▲ $517 |
| 2022 | $17,347 | $9,460 | — |
| 2021 | $11,469 | $8,600 | — |
| 2020 | $11,317 | $7,819 | ▲ $321 |
2025 property taxes (current owner): $659/yr
Estimated taxes if purchased at asking price: ~$2,600/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.
History
Price & status history
- Aug 20, 2026Active Under Contract$134,900
- Aug 8, 2026Price change$134,900−$5,000
- Jul 10, 2026Active$139,900
- Jul 7, 2026Listed$139,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $205/sq ft; this home is listed at $141/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3025 Armstrong Street, Jacksonville, FL 32218Listed by WATSON REALTY CORP | Jul 2026 | $199,000 | $178 | 3/2 | 1,120 | 5 | 0.3 |
| 3001 Harbison Street, Jacksonville, FL 32218Listed by MOMENTUM REALTY | Sep 2026 | $249,000 | $205 | 3/2.5 | 1,217 | 43 | 0.4 |
| 3323 Armstrong Street, Jacksonville, FL 32218Listed by RPB REALTY,INC | Jul 2026 | $246,900 | $204 | 3/2 | 1,209 | 7 | 0.4 |
| 3311 Armstrong Street, Jacksonville, FL 32218Listed by RPB REALTY,INC | Jul 2026 | $246,900 | $206 | 3/2 | 1,200 | 47 | 0.4 |
| 3211 Echo Street, Jacksonville, FL 32218Listed by REAL BROKER LLC | Jul 2026 | $254,990 | $211 | 3/2 | 1,209 | 22 | 0.6 |
| 3058 Date Street, Jacksonville, FL 32218Listed by RPB REALTY,INC | Aug 2026 | $239,900 | $200 | 3/2 | 1,200 | 124 | 1.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHAD AND SANDY REAL ESTATE GROUP
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Keep looking
More homes in Garden City
For Sale3310 Duane AvenueJacksonville, FL 32218
3 bd · 1 ba · 1,074 sq ft
$190,000Est. $1,011/moWelcome to 3310 Duane Avenue! This charming 3-bedroom, 1-bath home is the perfect opportunity for a first-time…
Listing Office: lpt realty, llc
For Sale3085 Armstrong StreetJacksonville, FL 32218
3 bd · 2 ba · 1,249 sq ft
$219,000Est. $1,166/moWelcome to this single-story residence built in 2021, offering 1,247 square feet of low-maintenance living space.…
Listing Office: jwb realty llc
For Sale2970 Harbison StreetJacksonville, FL 32218
3 bd · 2.5 ba · 1,200 sq ft
$229,999Est. $1,224/moA promotional interest rate as low as 3.75% may be available to qualified buyers! Subject to lender approval; terms…
Listing Office: better homes & gardens real estate lifestyles realty
For Sale2985 Snell StreetJacksonville, FL 32218
3 bd · 2.5 ba · 1,200 sq ft
$229,999Est. $1,224/moSeller offers up to $14,000 toward buyer closing costs or an interest-rate buydown, subject to lender approval.…
Listing Office: better homes & gardens real estate lifestyles realty
Keep looking
Similar homes in Jacksonville
Explore the area
More in Over 55 & Active Adult
Over 55 & Active Adult guides & reports
Your Local Realtor
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.
Text 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