This home is in Jacksonville.
$239,900Sold3 bd · 2 ba · 1,380 sq ft
Sold·Closed Oct 23, 2026·31 days on market·Recent sales in Jacksonville
3539 Phyllis Street
Jacksonville, FL 32205
About this home
Jacksonville
Three-bedroom, 2-bathroom move-in-ready home in a quiet section of Jacksonville. The updated kitchen boasts granite countertops and sleek stainless-steel appliances, making it a wonderful space for daily living and entertaining. The primary suite offers a private retreat, complete with an attached bathroom featuring a double sink vanity. This home is perfectly situated in a prime location, offering an easy commute with quick access to major highways. You are also just minutes away from local essentials, including shopping, dining, schools, and parks. Schedule your private showing today!
Next steps in Jacksonville
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).
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 2021)
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: ~1,478 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Atlantic Beach 19th Street lotabout 19 mi · 14 parking spaces
Closest park or preserve
Jacksonville-Baldwin Rail Trailabout 4 mi · 21.7 mi of trails
Closest public boat ramp
Curtis Lee Johnson Marina Park Public Boat Ramp (aka. Lighthouse Marina)about 3 mi · Cedar River
Closest kayak & paddleboard launch
North Bank River Walk – Gefen Park Paddlecraft Accessabout 3 mi · Saint Johns River
Closest youth league fields
Boone Parkabout 2 mi · Pickleball, Tennis
Closest grocery store
Winn-Dixieabout 1 mi · 5207 Normandy Boulevard, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 6:46 AM, sunset 5:35 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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
2025 property taxes (current owner): $4,853/yr
Estimated taxes if purchased at asking price: ~$4,700/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, NEFMLS.
History
Price & status history
- Oct 26, 2026Closed$239,900
- Sep 25, 2026Pending$239,900
- Sep 21, 2026Active$239,900
- Aug 10, 2026Pending$239,900
- Jul 14, 2026Listed$239,900
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 $207/sq ft; this home is listed at $174/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4014 Dellwood Avenue, Jacksonville, FL 32205Listed by WHOLESALE REALTY LLC | Oct 2026 | $322,000 | $250 | 3/2 | 1,288 | 2 | 0.3 |
| 4037 Gilmore Street, Jacksonville, FL 32205Listed by ROOT REALTY LLC | Oct 2026 | $182,500 | $183 | 2/2 | 1,000 | 124 | 0.3 |
| 871 Melba Street, Jacksonville, FL 32205Listed by WATSON REALTY CORP | Oct 2026 | $239,900 | $202 | 3/1 | 1,185 | 116 | 0.4 |
| 3153 Ernest Street, Jacksonville, FL 32205Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $210,000 | $207 | 3/1 | 1,015 | 100 | 0.4 |
| 3103 Ernest Street, Jacksonville, FL 32205Listed by FLORIDA FAMILY REALTY | Oct 2026 | $148,900 | $136 | 2/1 | 1,092 | 27 | 0.5 |
| 509 Murray Drive, Jacksonville, FL 32205Listed by DJ & LINDSEY REAL ESTATE | Oct 2026 | $250,000 | $213 | 2/2 | 1,173 | 3 | 0.7 |
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: ENTERA REALTY LLC
Sold by: HERRON REAL ESTATE LLC (buyer's brokerage)
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.
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Krista Fracke
Broker Associate
This home sold on Oct 23, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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