This home is in Jacksonville.

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Active·Listed today

3994 Conga Street

Jacksonville, FL 32217

$375,000$189/sqftEst. $1,996/moMLS# 2155847

Beds

Baths

1,983

Sq Ft

1955

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to this beautifully renovated 4-bedroom, 3-bathroom block home in the highly sought-after heart of San Jose! Combining timeless charm with modern updates, this move-in-ready home offers an exceptional layout featuring two spacious living areas, perfect for entertaining, working from home, or creating a separate family retreat. The oversized primary suite is a true sanctuary, complete with a massive walk-in closet and a luxurious spa-inspired bathroom designed for comfort and relaxation. Every detail has been thoughtfully updated throughout the home, offering stylish finishes and turnkey convenience. Step outside to a fully fenced backyard featuring an expansive paver patio--ideal for outdoor dining, entertaining, or simply enjoying your private outdoor space. Major updates provide peace of mind, including a 2020 roof, 2020 electrical panel, and 2020 central heating and air conditioning. Best of all, there's no HOA, giving you the freedom to truly make this property your own.

Cost to own

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,906

Principal & Interest: $1,906

Est. Taxes & Insurance: $477

Estimated Total Monthly

$2,383

*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$1,996

Property taxesest. at asking price, Duval County$612

Estimated total, before insurance$2,608/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): $3,994/yr

Estimated taxes if purchased at asking price: ~$7,300/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,462 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