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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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Sold

Sold·Closed Sep 10, 2026·15 days on market·Recent sales in Jacksonville

2117 W 39th Street

Jacksonville, FL 32209

$82,500sold priceListed at $89,900 · 91.8% of asking$70/sqftMLS# 2157645
4
Beds
2
Baths
1,174
Sq Ft
2001
Built
—
Garage
No
Pool
FEMA Zone XNo HOA6,098 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Investor opportunity -- calling all handymen, flippers, and landlords! 4BR/2BA, 1,174 sq ft on a 6,000 sq ft lot in Northwest Jacksonville. Cash or hard money only, no FHA/VA/conventional. Sold AS-IS, seller makes no repairs. No blind offers or assignable contracts.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$457
Property taxesest. at asking price, Duval County$135
Estimated total, before insurance$592/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,320/yr · $193/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$82,500
$16,500
Loan Term
Monthly Payment
$457
Principal & Interest: $457
Property taxes (est.): $135
Insurance (est.): $55
Estimated Total Monthly
$647
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2001)

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: ~1,255 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): $2,320/yr

Estimated taxes if purchased at asking price: ~$1,600/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

  • Sep 14, 2026Closed$89,900
  • Aug 28, 2026Active$89,900
  • Aug 7, 2026Pending$89,900
  • Jul 29, 2026Listed$89,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $158/sq ft; this home is listed at $77/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1856 28th Street W, Jacksonville, FL 32209Listed by LINWARD REALTY, LLCOct 2026$70,000$733/1960510.6
5352 Dodge Road, Jacksonville, FL 32209Listed by BETTER HOMES AND GARDENS LIFESTYLES REALTYSep 2026$178,012$1703/21,05000.6
5704 Benedict Road, Jacksonville, FL 32209Listed by REAL BROKER LLCSep 2026$189,900$1583/2.51,20150.6
5729 Cooke Street, Jacksonville, FL 32208Listed by BETTER HOMES AND GARDENS LIFESTYLES REALTYSep 2026$235,020$1913/21,23000.8
6109 Strawflower Place, Jacksonville, FL 32209Listed by VIRTUALTY REAL ESTATEOct 2026$110,000$1293/18501241
2051 Frank E Avenue, Jacksonville, FL 32208Listed by ALLISON JAMES ESTATES AND HOMES FLORIDASep 2026$52,000$593/18801151

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$89,900
Price / Sq Ft$77
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,174
Total Structure Area1,324 sq ft
Acres0.14 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionFixer
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address2117 W 39th Street, Jacksonville, FL 32209
Area075-Trout River/College Park/Ribault Manor
SubdivisionRoyal Terrace Addn
CityJacksonville
CountyDuval
StateFL
Zip Code32209
Lot Size6,098.4 sq ft
Parcel Number0864530260
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOff Street

Interior

AppliancesNone
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Exterior

Road FrontageCity Street

Additional Information

Date ListedAugust 28, 2026
Days on Market15
Tax Amount$2,320.49
Tax Year2025
Listing TermsCash, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: US REALTY HUB

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

This home sold on Sep 10, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

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