This home is in Jacksonville.

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Active·1 day on market

1554 N Market Street

Jacksonville, FL 32206

$445,000$186/sqftEst. $2,368/moMLS# 2155537

Beds

Baths

2,388

Sq Ft

1914

Built

—

Garage

Pool

About this home

Jacksonville

Historic Springfield Duplex - Fully Renovated and Move-In Ready Discover an exceptional opportunity to own a beautifully renovated duplex in the heart of Historic Springfield, with separate addresses at 1554 N. Market Street and 136 E. 6th Street, Jacksonville, FL 32206. Offering historic character, extensive improvements, and modern conveniences, this property is ideal for an owner-occupant, multigenerational household, or real estate investor. The property underwent a comprehensive renovation in 2009 and 2010, when it was taken down to the studs and rebuilt with new insulation, electrical wiring, plumbing, drywall, fixtures, windows, structural repairs, and a durable metal roof. Both central heating and air-conditioning systems have also been replaced recently, providing added comfort and peace of mind. The downstairs residence has been refreshed with new interior paint and updated appliances. Each spacious residence offers two bedrooms and two bathrooms, along with inviting

Cost to own

Mortgage calculator

Home Price

$445,000

Down Payment: 20%

$89,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,262

Principal & Interest: $2,262

Est. Taxes & Insurance: $565

Estimated Total Monthly

$2,827

*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$2,368

Property taxesest. at asking price, Duval County$727

Estimated total, before insurance$3,095/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

2025 property taxes (current owner): $4,147/yr

Estimated taxes if purchased at asking price: ~$8,700/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.

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: Metal — year not disclosed (home built 1914)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,681 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

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