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Active Under Contract

Active Under Contract·28 days on market

414 E 3rd Street

Jacksonville, FL 32206

$304,000$232/sqftEst. $1,563/moMLS# 2158228

Beds

Baths

1,308

Sq Ft

1908

Built

—

Garage

Pool

About this home

Jacksonville

Springfield charm meets everyday comfort in this updated historic home, minutes from downtown. Heart of pine floors + original character mix w/thoughtful updates throughout. The kitchen is the center of daily life - it opens to the living space so cooking + gathering happen together. It features granite counters, stainless appliances, tile backsplash, and built-in shelving. The 1st floor also offers a bedroom/flex space, great for a home office or workout space, plus a convenient half bath. Upstairs, the primary has its own newly renovated bathroom w/a quartz counter + tile shower. There is an additional full bathroom + 2nd bedroom w/two closets upstairs as well. Built-in details throughout add character and charm. Out back, enjoy a covered porch, fenced yard, and storage shed. Located in Historic Springfield, known for tree-lined streets, fun vibe, and Porchfest. Downtown and the Riverwalk just blocks away. 2025 updates include: water heater, and upstairs HVAC and hardwood floors.

Cost to own

Mortgage calculator

Home Price

$304,000

Down Payment: 20%

$60,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,563

Principal & Interest: $1,563

Property taxes (est.): $496

Insurance (est.): $203

Estimated Total Monthly

$2,262

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,563

Property taxesest. at asking price, Duval County$496

Estimated total, before insurance$2,059/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.

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 1908)

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

Solar potential: ~1,602 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 August 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 30, 2026Active Under Contract$304,000
Aug 25, 2026Price change$304,000−$6,000
Aug 2, 2026Listed$310,000

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

Features

Price$304,000

Price / Sq Ft$232

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,308

Year Built1908

TypeResidential

Sub-TypeSingle Family Residence

StyleHistoric

StatusActive Under Contract

Has PoolNo

Is WaterfrontNo

Community Information

Address414 E 3rd Street, Jacksonville, FL 32206

Area072-Springfield

SubdivisionSpringfield

CityJacksonville

CountyDuval

StateFL

Zip Code32206

Lot Dimensions31X89

Parcel Number0726360010

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOff Street, On Street

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom - Shower No Tub

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

# of Stories2

LevelsTwo

LaundryIn Unit

Exterior

Lot DescriptionHistoric Area

Patio / PorchCovered, Deck, Front Porch, Porch, Rear Porch

FencingBack Yard

Other StructuresShed(s)

Additional Information

Date ListedAugust 2, 2026

Days on Market34

Listing TermsCash, Conventional, FHA

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: COWFORD REALTY & DESIGN LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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