This home is in Jacksonville.

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Active

Active·14 days on market

400 E Bay Street 805

Jacksonville, FL 32202

$289,800$197/sqftEst. $1,478/moMLS# 2154567

Beds

Baths

1,473

Sq Ft

2003

Built

Garage

Pool

About this home

Jacksonville

Spacious 2-bedroom, 2-bath Plaza condo with City views from large 8th floor balcony. Wood floors, granite counters, tiled backsplash, stainless steel appliances, upgraded cabinetry, dedicated laundry room with full-sized washer & dryer, ceiling fans, custom built-ins in walk-in closet, fireplace, custom cut valances over windows, and more! Tons of natural light throughout. Enjoy your resort lifestyle at The Plaza! The Plaza is on the River in downtown Jax. Walk to offices, museums, parks, restaurants, Jags games, Jumbo Shrimp games, Icemen hockey and 5 concert venues. Squash & racquetball court, tennis & pickle ball courts, 24/7 Concierge, sun soaked pool, bocci ball court, outdoor kitchen & gas grills, Swedish sauna, steam room, newly renovated fitness center, business center, guest suite, wine lockers & 21st Floor Riverview Lounge for entertaining. Slips available at the adjacent marina.

Cost to own

Mortgage calculator

Home Price

$289,800

Down Payment: 20%

$57,960

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,478

Principal & Interest: $1,478

Property taxes (est.): $473

Insurance (est.): $193

Estimated Total Monthly

$2,144

*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$1,478

Property taxesest. at asking price, Duval County$473

HOAbilled monthly$1,307

Estimated total, before insurance$3,258/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	$274,000	$195,292	—
2023	$274,000	$188,148	—
2022	$246,000	$181,212	—
2021	$237,000	$174,478	▲ $26,500
2020	$234,000	$171,379	—

Estimated taxes if purchased at asking price: ~$5,700/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.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 2003)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,649 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

Price & status history

Jul 9, 2026Listed$289,800

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$289,800

Price / Sq Ft$197

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,473

Year Built2003

TypeResidential

Sub-TypeCondominium

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesNorth

School Information

ElementaryLong Branch

MiddleMatthew Gilbert

HighStanton

Community Information

Address400 E Bay Street 805, Jacksonville, FL 32202

Area073-Downtown Jacksonville-Northbank

SubdivisionThe Plaza Condominium At Berkman

CityJacksonville

CountyDuval

StateFL

Zip Code32202

Parcel Number073349-0198

ZoningPUD

Amenities

AmenitiesPool, Other, Barbecue, Dog Park, Elevator(s), Fitness Center, Gated, Jogging Path, Management- On Site, Marina, Park, Pickleball, Racquetball, Service Elevator(s), Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Attached, Covered, Garage Door Opener, Gated, Guest

ViewCity

Waterfront TypeNavigable Water, Ocean Access, River Access, River Front