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 — a waterfront home in Jacksonville.

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3081 Bessent Road

Jacksonville, FL 32218

$219,000$140/sqftEst. $1,117/moMLS# 2157869

Beds

Baths

1,560

Sq Ft

1960

Built

—

Garage

Pool

About this home

Jacksonville

Income-producing duplex on over ½ acre with beautiful marsh views! This versatile property is an excellent opportunity for investors seeking immediate rental income or owner-occupants looking to offset their mortgage. The downstairs unit is currently tenant-occupied, providing instant income from day one. Downstairs unit features 2 bedrooms, 1 full bath, a full kitchen, tile flooring throughout, a private walk-out patio, exterior storage room, and peaceful marsh views. The upstairs unit offers a private exterior entrance, 2 bedrooms, 1 full bath, a full kitchen, beautiful wood ceilings, fresh interior paint, and newer carpet, making it ideal for an owner-occupant or an additional rental. It features ample parking, and an expansive yard shaded by mature trees, providing plenty of space for entertaining, recreation, or relaxing outdoors. Conveniently located near shopping, dining, Jacksonville International Airport, major highways & investment potential. Don't miss this rare opportunity!

Cost to own

Mortgage calculator

Home Price

$219,000

Down Payment: 20%

$43,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,117

Principal & Interest: $1,117

Property taxes (est.): $358

Insurance (est.): $146

Estimated Total Monthly

$1,620

*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$1,117

Property taxesest. at asking price, Duval County$358

Estimated total, before insurance$1,474/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,430/yr · $202/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): $2,430/yr

Estimated taxes if purchased at asking price: ~$4,300/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Tar/Gravel, Other — year not disclosed (home built 1960)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,585 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

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