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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Sweetwater, Jacksonville.

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Active

Active·74 days on market·Sweetwater

7174 Matthew Street

Jacksonville, FL 32210

$210,000$155/sqftEst. $1,121/moMLS# 2155210
4
Beds
2
Baths
1,359
Sq Ft
1953
Built
—
Garage
No
Pool
FEMA Zone XNo HOA9,148 sqft lotSingle Family Residence1 story

About this home

Sweetwater

HUGE PRICE IMPROVEMENT on this 4-bedroom, 2-bath home is full of potential and waiting for your personal touch! Located in a highly convenient area close to shopping centers, popular restaurants, major highways, and a nearby military base, the home offers a generous layout with a split floor plan, featuring a primary suite separate from the additional bedrooms. This property is ideal for investors, DIY enthusiasts, or buyers looking to build equity.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$1,121
Property taxesest. at asking price, Duval County$343
Estimated total, before insurance$1,464/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,692/yr · $308/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$210,000
$42,000
Loan Term
Monthly Payment
$1,121
Principal & Interest: $1,121
Property taxes (est.): $343
Insurance (est.): $140
Estimated Total Monthly
$1,604
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 1953)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from JEA per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,279 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,692/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, NEFMLS.

History

Price & status history

  • Jul 13, 2026Listed$210,000

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

Features

Price$210,000
Price / Sq Ft$155
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,359
Acres0.21 acres
Year Built1953
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address7174 Matthew Street, Jacksonville, FL 32210
Area054-Cedar Hills
SubdivisionSweetwater Park
CityJacksonville
CountyDuval
StateFL
Zip Code32210
Lot Size9,147.6 sq ft
Parcel Number0122910000

Amenities

UtilitiesElectricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther

Interior

AppliancesElectric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

FencingFenced
RoofShingle
ConstructionBlock, Concrete

Additional Information

Date ListedJuly 14, 2026
Days on Market27
Tax Amount$3,692.05
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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.

The neighborhood

About Sweetwater

Sweetwater is a neighborhood in Jacksonville, FL (Duval County), ZIP 32210.

View all Sweetwater homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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