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This home is in Jacksonville.

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Active

Active·28 days on market

118 Fields Avenue

Jacksonville, FL 32218

$170,000$147/sqftEst. $873/moMLS# 2156937

Beds

Baths

1,160

Sq Ft

1959

Built

Garage

Pool

About this home

Jacksonville

Welcome home to this charming residence in Jacksonville's established San Mateo neighborhood! Conveniently located just minutes from 1-95, Jacksonville International Airport, River City Marketplace, downtown Jacksonville, and Naval Station Mayport, this home offers an ideal combination of comfort, convenience, and accessibility. Inside, you'll find a welcoming floor plan with comfortable living spaces designed for everyday living and entertaining. The spacious yard provides plenty of room to relax, garden, or create your own outdoor oasis. Whether you're a first-time homebuyer, looking to downsize, or searching for a smart investment opportunity, this property offers exceptional value in a well-established neighborhood with no HOA. Enjoy easy access to shopping, dining, schools, parks, and major commuter routes while still feeling at home in a quiet residential setting.

Cost to own

Mortgage calculator

Home Price

$170,000

Down Payment: 20%

$34,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$873

Principal & Interest: $873

Property taxes (est.): $278

Insurance (est.): $113

Estimated Total Monthly

$1,264

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$873

Property taxesest. at asking price, Duval County$278

Estimated total, before insurance$1,151/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.

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 1959)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,332 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.

History