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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Active

Active·34 days on market

9358 Culpeper Avenue

Jacksonville, FL 32208

$190,000$143/sqftEst. $1,006/moMLS# 2157309
$18,000 below original list
4
Beds
1.5
Baths
1,327
Sq Ft
1960
Built
Garage
No
Pool
FEMA Zone XNo HOA8,276 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Move-in ready 4-bedroom, 1.5-bath home offering 1,327 square feet of beautifully updated living space. The open-concept floor plan creates a bright and inviting atmosphere, featuring luxury vinyl plank flooring, fresh interior paint, recessed LED lighting, and modern fixtures throughout. The updated kitchen is the heart of the home, gray shaker-style cabinetry, a subway tile backsplash, stainless steel appliances, and a built-in microwave. Its open design flows seamlessly into the spacious living area, making it ideal for everyday living and entertaining. The primary bedroom includes a private half bath, while the updated full bathroom features a stylish vanity, modern lighting, and a tiled tub/shower combination with a rainfall showerhead. Conveniently located near shopping, dining, schools, and major roadways, this move-in ready home is a great opportunity for homeowners and investors alike. Schedule your private showing today!

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,006
Property taxesest. at asking price, Duval County$310
Estimated total, before insurance$1,316/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,505/yr · $209/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$190,000
$38,000
Loan Term
Monthly Payment
$1,006
Principal & Interest: $1,006
Property taxes (est.): $310
Insurance (est.): $127
Estimated Total Monthly
$1,443
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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: Shingle — year not disclosed (home built 1960)

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: ~1,415 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,505/yr

Estimated taxes if purchased at asking price: ~$3,700/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.

History

Price & status history

  • Aug 25, 2026Price change$190,000$5,000
  • Aug 2, 2026Price change$195,000$13,000
  • Jul 27, 2026Listed$208,000

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

Features

Price$190,000
Price / Sq Ft$143
Bedrooms4
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage1,327
Acres0.19 acres
Year Built1960
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address9358 Culpeper Avenue, Jacksonville, FL 32208
Area075-Trout River/College Park/Ribault Manor
SubdivisionOsceola Forest
CityJacksonville
CountyDuval
StateFL
Zip Code32208
Lot Size8,276.4 sq ft
Lot Dimensions65 X 130
Parcel Number0379460000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOff Street

Interior

AppliancesElectric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air, Split System
FlooringVinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Front Porch
RoofShingle
ConstructionBlock, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 18, 2026
Days on Market35
Tax Amount$2,504.99
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WORKMAN REAL ESTATE LLC · danielworkman@gmail.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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