This home is in Jacksonville.

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Active

Active·7 days on market

400 E Bay Street E 804

Jacksonville, FL 32202

$379,000$283/sqftEst. $1,932/moMLS# 2155781

Beds

Baths

1,338

Sq Ft

2003

Built

Garage

Pool

About this home

Jacksonville

Experience elevated downtown living in this newly renovated (July 2026) 8th-floor smart condo. Spanning 1,338 sq ft, 2 bed/2 bath, this unique property features a private balcony with city-view, natural light, and porcelain/marble floors. The modern kitchen boasts brand new quartz countertops, stainless steel appliances, premium cabinetry, and contemporary linear lighting. As the property's only smart condo, it includes a Control4 home automation system with professionally integrated surround sound, multi-room audio/video, climate control, smart lighting, motorized shades, electric fireplace, etc. The unit features two assigned parking spaces and sits within walking distance of the Jaguars stadium, making it a perfect executive retreat. Community amenities include a gym, pool, sauna, concierge lounge, dog park, and sports courts (tennis, squash, racquetball). Seller financing is available for qualified buyers, offering easy access to the Riverwalk, local dining, shopping, and highways.

Cost to own

Mortgage calculator

Home Price

$379,000

Down Payment: 20%

$75,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,932

Principal & Interest: $1,932

Property taxes (est.): $619

Insurance (est.): $253

Estimated Total Monthly

$2,804

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$1,932

Property taxesest. at asking price, Duval County$619

HOAbilled monthly$1,173

Estimated total, before insurance$3,724/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,610/yr · $384/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,610/yr

Estimated taxes if purchased at asking price: ~$7,400/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.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 2003)

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: ~1,649 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.

History

Price & status history

Jul 16, 2026Listed$379,000

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

Features

Price$379,000

Price / Sq Ft$283

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,338

Year Built2003

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address400 E Bay Street E 804, Jacksonville, FL 32202

Area073-Downtown Jacksonville-Northbank

SubdivisionThe Plaza Condominium At Berkman

CityJacksonville

CountyDuval

StateFL

Zip Code32202

Parcel Number0733490196

ZoningCondominium

Amenities

AmenitiesPool, Other, Boat Dock, Boat Launch, Boat Slip, Cable TV, Clubhouse, Dog Park, Elevator(s), Fitness Center, Gated, Jogging Path, Management- On Site, Marina, Park, Racquetball, Sauna, Security, Tennis Court(s)

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Covered

ViewCity

Waterfront TypeNavigable Water, River Front