This home is in Jacksonville.

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Active

Active·15 days on market

1322 W 23rd Street

Jacksonville, FL 32209

$209,900$114/sqftEst. $1,070/moMLS# 2154713

Beds

Baths

1,836

Sq Ft

1924

Built

—

Garage

Pool

About this home

Jacksonville

Character you can't buy new -- a fully renovated 1924 two-story in historic Moncrief Park with 1,836 SF, more space than the new construction selling nearby. Three bedrooms, two full baths, and a foyer with the original staircase, updated with luxury vinyl plank flooring, granite eat-in kitchen with full appliance package, tiled walk-in shower upstairs, ceiling fans, and fresh paint throughout. Roof and HVAC approx. 6 years old (2020) -- a real advantage for insurability and insurance costs. Fenced yard, rear patio, detached storage building, and driveway parking. Moncrief Park carries real history: Hank Aaron won the 1953 Sally League Championship here on his way to becoming baseball's Home Run King. Minutes to downtown Jacksonville and major hospitals. Ideal for a first-time buyer wanting move-in ready or an investor seeking turnkey rental -- area homes rent for $1,600-$1,800/month. Schedule your showing today.

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

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,362/yr · $280/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $127,500 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$162,594	$162,594	—
2023	$128,676	$101,775	—
2022	$108,201	$92,523	—

2025 property taxes (current owner): $3,362/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 1924)

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: ~1,389 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

Price & status history

Jul 9, 2026Listed$209,900

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

Features

Price$209,900

Price / Sq Ft$114

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,836

Acres0.15 acres

Year Built1924

TypeResidential

Sub-TypeSingle Family Residence

StyleHistoric

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address1322 W 23rd Street, Jacksonville, FL 32209

Area075-Trout River/College Park/Ribault Manor

SubdivisionMoncrief Park

CityJacksonville

CountyDuval

StateFL

Zip Code32209

Lot Size6,534 sq ft

Parcel Number0865970000

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Not Available, Sewer Available, Sewer Connected, Water Available, Water Connected

Water SourcePublic

ParkingDetached, On Street, Unassigned