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Active

Active·8 days on market

2816 Hubbard Street

Jacksonville, FL 32206

$99,000$78/sqftEst. $511/moMLS# 2157651

Beds

Baths

1,274

Sq Ft

1924

Built

—

Garage

Pool

About this home

Jacksonville

Solid brick and frame bungalow in historic Brentwood, one of the fastest moving investor pockets in Jacksonville right now. Built in 1924 with the original craftsman bones, covered front porch, and the kind of layout that flips clean or holds as a strong rental. This one needs work and it's priced like it. Bring your contractor and your vision. Perfect candidate for a full cosmetic rehab or a gut and add a second bath to push your ARV. Off street parking and a fully fenced yard already done for you.

Cost to own

Mortgage calculator

Home Price

$99,000

Down Payment: 20%

$19,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$511

Principal & Interest: $511

Property taxes (est.): $162

Insurance (est.): $66

Estimated Total Monthly

$738

*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$511

Property taxesest. at asking price, Duval County$162

Estimated total, before insurance$672/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,101/yr · $92/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

2025 property taxes (current owner): $1,101/yr

Estimated taxes if purchased at asking price: ~$1,900/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: Shingle — year not disclosed (home built 1924)

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: ~1,333 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

Price & status history

Aug 5, 2026Price change$99,000−$15,000
Jul 29, 2026Listed$114,000

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

Features

Price$99,000

Price / Sq Ft$78

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,274

Acres0.11 acres

Year Built1924

TypeResidential

Sub-TypeSingle Family Residence

StylePatio Home

Property ConditionFixer

StatusActive

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryAndrew A. Robinson

MiddleMatthew Gilbert

HighWilliam M. Raines

Community Information

Address2816 Hubbard Street, Jacksonville, FL 32206

Area076-Downtown Jacksonville-Eastside

SubdivisionNew Springfield

CityJacksonville

CountyDuval

StateFL

Zip Code32206

Lot Size4,791.6 sq ft

Parcel Number0446670000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking