This home is in Jacksonville.

1 / 28

Active

Active·2 days on market

5431 River Forest Drive

Jacksonville, FL 32211

$260,000$175/sqftEst. $1,384/moMLS# 2155314

Beds

Baths

1,487

Sq Ft

1950

Built

Garage

Pool

About this home

Jacksonville

Welcome to 5431 River Forest, where modern updates, abundant natural light, and a functional layout create a place you'll love to call home. This beautifully renovated 4-bedroom, 2 bathroom residence features durable concrete block construction, engineered hardwood flooring, new bedroom carpet, a versatile bonus room, and a stylish kitchen with brand-new appliances. The bright, open floor plan is ideal for everyday living and entertaining. Step outside to a fully fenced backyard with irrigation, perfect for relaxing, gatherings, or pets. A private septic system helps reduce utility costs, while the recently serviced HVAC ensures year-round comfort. Located in an established Arlington neighborhood just minutes from Jacksonville University, Downtown Jacksonville, shopping, dining, parks, and major roadways, this move-in-ready home offers an exceptional opportunity for homeowners and investors alike.

Cost to own

Mortgage calculator

Home Price

$260,000

Down Payment: 20%

$52,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,322

Principal & Interest: $1,322

Est. Taxes & Insurance: $330

Estimated Total Monthly

$1,652

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$1,384

Property taxesest. at asking price, Duval County$425

Estimated total, before insurance$1,808/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
2025	$176,494	$125,772	—
2024	$166,513	$139,922	—
2023	$165,494	$127,202	▲ $10,519
2022	$149,504	$115,639	▲ $10,284
2021	$119,280	$105,127	—
2020	$105,041	$95,570	▲ $5,501

2025 property taxes (current owner): $2,779/yr

Estimated taxes if purchased at asking price: ~$5,100/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 (2025), 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 1950)

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

Likely septic · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,445 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

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