This home is in Jacksonville.

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Active·5 days on market

2284 Larchmont Road

Jacksonville, FL 32207

$339,000$211/sqftEst. $1,804/moMLS# 2154710

Beds

Baths

1,609

Sq Ft

1947

Built

Garage

Pool

About this home

Jacksonville

Come fall in love with this beautiful & unique St. Nicholas charmer! Large .28 acre lot is 74' x 140' with plenty of room to relax & play! Gorgeous original hardwood flooring throughout living areas. Welcoming LR w/wood burning fireplace; Three bedrooms plus versatile bonus rm/playroom. Spacious tiled kitchen features eat-in area, nice pantry space & newer appliances. SS refrigerator, oven & microwave all approximately 1 year old. Gorgeous updated bathroom with shower/tub combo, new vanity, sink & sconces and LVP flooring. All new duct work throughout! Seller will provide a NEW ROOF at closing! Inside laundry room; Huge fully fenced backyard with extra driveway space & awesome large 1-car garage ideal for a workshop, tools, etc. Enjoy the covered patio surrounded by lovely trees & flowers. Perfect for gathering & entertaining. Centrally located near shopping, dining and Downtown Jacksonville with easy access to the Interstate. Great value!

Cost to own

Mortgage calculator

Home Price

$339,000

Down Payment: 20%

$67,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,712

Principal & Interest: $1,712

Est. Taxes & Insurance: $428

Estimated Total Monthly

$2,140

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,804

Property taxesest. at asking price, Duval County$554

Estimated total, before insurance$2,358/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

Year	Market value	Taxable value	Change
2024	$241,474	$91,507	▼ $239
2023	$226,411	$87,386	—
2022	$206,893	$78,974	▲ $33,633

2025 property taxes (current owner): $2,231/yr

Estimated taxes if purchased at asking price: ~$6,600/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 (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 1947)

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: ~1,658 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History