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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 San Marco, Jacksonville.

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Pending

Pending·72 days on market·San Marco

925 Cedar Street

Jacksonville, FL 32207

$535,000$269/sqftEst. $2,963/moMLS# 2157774
↓ $15,000 below original list
4
Beds
2
Baths
1,988
Sq Ft
1942
Built
—
Garage
No
Pool

30 more homes for sale in San Marco →Search San Marco on the map

FEMA Zone AENo HOA5,663 sqft lotDuplex1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

San Marco

Rare San Marco investment opportunity with income-producing potential and room to grow. This duplex offers exceptional flexibility for investors, owner-occupants, or those looking to expand their real estate portfolio. Live in one unit while generating rental income from the other, or maximize cash flow by leasing both units. Ideally positioned in the heart of San Marco, this property offers the walkable urban lifestyle today's buyers and tenants are seeking. Adding to its investment appeal, the property features convenient alley access and, subject to zoning requirements, municipal approvals, and permitting, may offer the opportunity to construct an additional dwelling unit, creating the potential for increased rental income and long-term value. Buyers are encouraged to conduct their own due diligence regarding development possibilities.

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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$2,963
Property taxesest. at asking price, Duval County$874
Estimated total, before insurance$3,837/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,578/yr · $465/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

$535,000
$107,000
Loan Term
Monthly Payment
$2,963
Principal & Interest: $2,963
Property taxes (est.): $874
Insurance (est.): $357
Estimated Total Monthly
$4,194
*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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1942)

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: ~1,578 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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,578/yr

Estimated taxes if purchased at asking price: ~$10,500/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 4, 2026Pending$535,000
  • Aug 18, 2026Price change$535,000−$15,000
  • Jul 30, 2026Listed$550,000

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 $243/sq ft; this home is listed at $269/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
909 Cedar Street, Jacksonville, FL 32207Listed by REAL BROKER LLCAug 2026$525,000$2900/01,813980
1527 Naldo Avenue, Jacksonville, FL 32207Listed by OCEANSIDE REAL ESTATEAug 2026$350,000$1684/12,0801240.4
1321 Landon Avenue A-D, Jacksonville, FL 32207Listed by MARY BURNETT, BROKERNov 2025$500,000$2104/42,37610.4
1805 Perry Place, Jacksonville, FL 32207Listed by HOVER GIRL PROPERTIESSep 2026$595,000$2485/42,403700.7
2253 Herschel Street, Jacksonville, FL 32204Listed by 1 REALTY CORPOct 2025$500,000$2435/32,054491.5
2501 Myra Street, Jacksonville, FL 32204Listed by THIRDSTONE PROPERTIES LLCAug 2026$251,000$1313/31,91531.7

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$535,000
Price / Sq Ft$269
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,988
Total Structure Area2,036 sq ft
Acres0.13 acres
Year Built1942
TypeResidential Income
Sub-TypeDuplex
StatusPending
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

MiddleOther

Community Information

Address925 Cedar Street, Jacksonville, FL 32207
Area011-San Marco
SubdivisionSan Marco
CityJacksonville
CountyDuval
StateFL
Zip Code32207
Lot Size5,662.8 sq ft
Lot Dimensions50 x 115
Parcel Number0807810000

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Separate Electric Meters, Separate Water Meters, Sewer Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral, Heat Pump
CoolingCentral Air, Separate Meters
FlooringTile, Vinyl, Wood
# of Stories1
LevelsTwo
LaundryIn Unit

Exterior

Lot DescriptionOther
FencingBack Yard, Privacy, Wood
RoofShingle
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 30, 2026
Days on Market33
Tax Amount$5,577.97
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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.

The neighborhood

About San Marco

San Marco is a neighborhood in Jacksonville, FL (Duval County), ZIP 32207.

View all San Marco homes for sale →

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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