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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 Jacksonville.

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Pending

Pending·65 days on market

2789 Selma Street

Jacksonville, FL 32205

$675,000$242/sqftEst. $3,575/moMLS# 2155485
$24,990 below original list
5
Beds
4
Baths
2,784
Sq Ft
1934
Built
Garage
No
Pool
FEMA Zone XNo HOA4,356 sqft lotSingle Family Residence2 stories

About this home

Jacksonville

Welcome home! multi-generational living in the heart of the Riverside/Avondale Historic District, complete with a detached ADU and just a short walk to the restaurants, coffee shops, breweries, and boutiques of vibrant King Street. Blending timeless character with thoughtful updates, this home offers the perfect balance of historic charm and modern convenience. The approximately 2,284 SF 4 bedroom, 3 bathroom main home welcomes you with a peaceful front porch featuring a swing and a custom glass front door. Inside, you'll find original hardwood floors, abundant natural light, and the charm you've been searching for. Originally built as a duplex and thoughtfully reimagined into a spacious single-family home, it has preserved its architectural character while offering today's desired functionality.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$3,575
Property taxesest. at asking price, Duval County$1,102
Estimated total, before insurance$4,677/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,629/yr · $302/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

$675,000
$135,000
Loan Term
Monthly Payment
$3,575
Principal & Interest: $3,575
Property taxes (est.): $1,102
Insurance (est.): $450
Estimated Total Monthly
$5,127
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 1934)

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: ~1,585 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

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): $3,629/yr

Estimated taxes if purchased at asking price: ~$13,200/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

  • Aug 17, 2026Pending$675,000
  • Aug 5, 2026Price change$675,000$24,990
  • Jul 16, 2026Active$699,990
  • Jul 14, 2026Listed$699,990

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

Features

Price$675,000
Price / Sq Ft$242
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage2,784
Acres0.10 acres
Year Built1934
TypeResidential
Sub-TypeSingle Family Residence
StyleHistoric
Property ConditionUpdated/Remodeled
StatusPending
Has PoolNo
Is WaterfrontNo

Community Information

Address2789 Selma Street, Jacksonville, FL 32205
Area032-Avondale
SubdivisionNew Riverside
CityJacksonville
CountyDuval
StateFL
Zip Code32205
Lot Size4,356 sq ft
Parcel Number0643200000

Amenities

Community FeaturesSuburban
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached
ViewOther

Interior

Interior FeaturesGuest Suite, In-Law Floorplan, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringWood
FireplaceYes
# of Fireplaces2
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryIn Unit

Exterior

Lot DescriptionHistoric Area, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Porch
FencingWood
RoofShingle
ConstructionBrick, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 16, 2026
Days on Market32
Tax Amount$3,628.8
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS · Lindsey@sellsnefl.com

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.

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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