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This home is in Jacksonville.

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Active Under Contract

Active Under Contract·20 days on market

33 E 18th Street

Jacksonville, FL 32206

$74,900$57/sqftEst. $386/moMLS# 2156076

Beds

Baths

1,307

Sq Ft

1922

Built

—

Garage

Pool

About this home

Jacksonville

WONDERFUL OPPORTUNITY IN SPRINGFIELD! Built in 1922, this charming 2-bedroom, 2-bath home offers approximately 1,307 square feet of character and potential. Whether you're searching for an affordable home or another property to add to your investment portfolio, this one deserves a closer look! Features include original hardwood floors, laundry room, distinctive architectural details, oversized bedrooms, a spacious kitchen and bathroom, and an abundance of natural light. Outside, you'll find a quaint back porch, extended driveway, oversized carport, private fenced backyard, and a spacious lot. Conveniently located near neighborhood shops and restaurants, schools, parks, public transportation, major highways, Springfield, and Downtown Jacksonville. Don't walk--run! This could be exactly the opportunity you've been looking for!

Cost to own

Mortgage calculator

Home Price

$74,900

Down Payment: 20%

$14,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$386

Principal & Interest: $386

Property taxes (est.): $122

Insurance (est.): $50

Estimated Total Monthly

$559

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$386

Property taxesest. at asking price, Duval County$122

Estimated total, before insurance$509/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,018/yr · $168/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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): $2,018/yr

Estimated taxes if purchased at asking price: ~$1,500/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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — year not disclosed (home built 1922)

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: ~1,601 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