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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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Active·76 days on market

2325 W 16th Street

Jacksonville, FL 32209

$109,900$129/sqftEst. $587/moMLS# 2155761
↓ $5,100 below original list
2
Beds
1
Baths
850
Sq Ft
1950
Built
—
Garage
No
Pool
FEMA Zone XNo HOA4,792 sqft lotSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Welcome to 2325 W 16th Street, a charming home that proves great things come in a solid brick package. This home has a great character, comfort, and curb appeal that is hard to find. The first thing you'll notice is the delightful front porch, a feature that takes you back to an earlier time when neighbors gathered, conversations flowed freely, and life moved at a slower pace. It is an inviting place to enjoy your morning coffee, relax in the evening, and simply watch the world go by. The property frontage has a classic white picket fence, creating a warm and welcoming feel while providing plenty of space for off-street parking. Whether you have multiple vehicles, enjoy entertaining guests, or simply appreciate the convenience of private parking, you'll find ample room inside.

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$587
Property taxesest. at asking price, Duval County$179
Estimated total, before insurance$766/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,758/yr · $147/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

$109,900
$21,980
Loan Term
Monthly Payment
$587
Principal & Interest: $587
Property taxes (est.): $179
Insurance (est.): $73
Estimated Total Monthly
$839
*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 1950)

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: ~1,421 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): $1,758/yr

Estimated taxes if purchased at asking price: ~$2,200/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

  • Sep 1, 2026Price change$109,900−$1,100
  • Aug 21, 2026Price change$111,000−$1,000
  • Aug 3, 2026Price change$112,000−$2,900
  • Jul 23, 2026Price change$114,900−$100
  • Jul 16, 2026Listed$115,000

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

Features

Price$109,900
Price / Sq Ft$129
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage850
Total Structure Area997 sq ft
Acres0.11 acres
Year Built1950
TypeResidential
Sub-TypeSingle Family Residence
StyleMid-Century Modern
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address2325 W 16th Street, Jacksonville, FL 32209
Area075-Trout River/College Park/Ribault Manor
SubdivisionEast Grand Park
CityJacksonville
CountyDuval
StateFL
Zip Code32209
Lot Size4,791.6 sq ft
Parcel Number0470190010

Amenities

UtilitiesElectricity Connected, Sewer Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Off Street

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Tub with Shower
AppliancesDryer, Electric Range, Microwave, Refrigerator, Washer
HeatingHeat Pump
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch
RoofShingle
ConstructionBrick
Road SurfaceAsphalt

Additional Information

Date ListedJuly 16, 2026
Days on Market50
Tax Amount$1,758.05
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SUNCOAST PROPERTY MANAGEMENT LLC

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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