Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville.

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Active·7 days on market

325 E 1st Street

Jacksonville, FL 32206

$495,000$163/sqftEst. $2,524/moMLS# 2157653

Beds

Baths

3,028

Sq Ft

1893

Built

—

Garage

Pool

About this home

Jacksonville

Turnkey, fully furnished historic duplex in the heart of Historic Springfield with all furnishings conveying, offering exceptional flexibility for investors and owner-occupants alike. Live in one unit while renting the other, create the perfect house hack, or capitalize on multiple rental strategies including Airbnb/VRBO, Furnished Finder, PadSplit, or traditional long-term rentals. Over $149,000 invested in 2026 alone, including engineered structural improvements, foundation stabilization, rebuilt front porch, exterior repairs, and a brand-new HVAC package unit for 325. Additional major updates include a new roof (2019), complete property repipe (2019), electrical service upgrade and rewire (2019), and a Goodman 3-ton HVAC system with new ductwork serving 327 (2020). Minutes from Downtown Jacksonville, UF Health, EverBank Stadium, restaurants, breweries, parks, and the rapidly growing Sports & Entertainment District. Adjacent buildable lot available separately for $75,000.

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,524

Principal & Interest: $2,524

Property taxes (est.): $808

Insurance (est.): $330

Estimated Total Monthly

$3,662

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,524

Property taxesest. at asking price, Duval County$808

Estimated total, before insurance$3,332/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,490/yr · $791/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): $9,490/yr

Estimated taxes if purchased at asking price: ~$9,700/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.

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 — 2019 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,687 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