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This home is in Jacksonville.

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Active

Active·13 days on market

1224 N Market Street

Jacksonville, FL 32206

$589,000$263/sqftEst. $3,037/moMLS# 2156497

Beds

Baths

2,242

Sq Ft

2006

Built

Garage

Pool

About this home

Jacksonville

Welcome to 1224 N Market Street, a 4-bedroom, 3.5-bath home on a shady tree-lined block in Historic Springfield. Built in the early 2000s by SRG to fit seamlessly into the neighborhood's streetscape, this home blends classic character with tons of space and flexibility. Start on the large and elevated front porch, then step inside to oak hardwood floors, architectural columns, built-in bookcases, and custom molding throughout the main living areas. The kitchen features cream quartz counters, a breakfast bar, a large pantry, and stainless-steel appliances. A gas fireplace anchors the large living room. A standout feature includes a private first-floor flex room with its own full bathroom and plumbing already in place for a kitchenette. It is ready to become an in-law suite, guest quarters, or income-producing space. Upstairs, the primary suite includes two walk-in closets and large windows letting in lots of light. Out back, a covered, screened porch is a perfect, quiet place to sit and

Cost to own

Mortgage calculator

Home Price

$589,000

Down Payment: 20%

$117,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,037

Principal & Interest: $3,037

Property taxes (est.): $962

Insurance (est.): $393

Estimated Total Monthly

$4,392

*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$3,037

Property taxesest. at asking price, Duval County$962

Estimated total, before insurance$3,999/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,149/yr · $762/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

Year	Market value	Taxable value	Change
2025	$494,054	$494,054	—
2024	$451,086	$451,086	—
2023	$500,610	$500,610	—
2022	$479,161	$479,161	—
2021	$353,875	$353,875	▼ $8,188
2020	$330,734	$139,627	—

2025 property taxes (current owner): $9,149/yr

Estimated taxes if purchased at asking price: ~$11,500/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 (2025), 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 C

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

Roof: Shingle — year not disclosed (home built 2006)

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: ~1,706 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 26, 2026Active$589,000
Jul 22, 2026Listed$589,000

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

Features

Price$589,000

Price / Sq Ft$263

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,242

Acres0.12 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Historic

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

Community Information

Address1224 N Market Street, Jacksonville, FL 32206

Area072-Springfield

SubdivisionSpringfield

CityJacksonville

CountyDuval

StateFL

Zip Code32206

Lot Size5,227.2 sq ft

Parcel Number0730150020

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingDetached, Garage, Off Street

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Guest Suite, In-Law Floorplan, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air, Multi Units, Wall/Window Unit(s)

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryIn Unit, Upper Level

SecuritySecurity System Owned