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This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·54 days on market

2410 Cedar Shores Circle

Jacksonville, FL 32210

$495,000$172/sqftEst. $2,643/moMLS# 2158231

Open house Sun, Sep 27 · 1:00 pm–3:00 pm

Beds

2.5

Baths

2,885

Sq Ft

1955

Built

—

Garage

Pool

FEMA Zone XNo HOA13,504 sqft lotWaterfrontSingle Family Residence1 story

About this home

Jacksonville

House Hacking Investment - Waterfront Dual-Living Home Rare true dual-living layout, ideal for investors and or future house hackers. This 2,800+ sq ft brick ranch has two independent living spaces -- one per level -- No HOA. Peaceful waterfront setting with creek access toward the St. Johns River, not in a flood zone. Perfect for house hacking, dual rental income, or multi-generational living. The lower level is a true second home, not a partial in-law suite. 2 Large outdoor patios with fire pit for entertaining. Prime location near Jacksonville's growing urban core, including stadium-area redevelopment, downtown entertainment growth, and the Emerald Trail. House has a track record hosting long-term tenants and short-term guests. Nearby comps average 1,300-1,700 sq ft -- this home offers far more space, a rare second kitchen and living area.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$2,643

Property taxesest. at asking price, Duval County$808

Estimated total, before insurance$3,451/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 7.03%

Loan Term

Monthly Payment

$2,643

Principal & Interest: $2,643

Property taxes (est.): $808

Insurance (est.): $330

Estimated Total Monthly

$3,781

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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 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 A

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

Roof: Shingle — year not disclosed (home built 1955)

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

Likely septic · Public water · JEA

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,473 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 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 2, 2026Listed$495,000

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

Features

Price$495,000

Price / Sq Ft$172

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,885

Acres0.31 acres

Year Built1955

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontYes

School Information

ElementaryHidden Oaks

MiddleWestside

HighEdward White

Community Information

Address2410 Cedar Shores Circle, Jacksonville, FL 32210

Area053-Hyde Grove Area

SubdivisionCedar Shores

CityJacksonville

CountyDuval

StateFL

Zip Code32210

Lot Size13,503.6 sq ft

Parcel Number1039260000

ZoningResidential

Amenities

Community FeaturesFishing

UtilitiesCable Available, Electricity Connected, Water Available

SewerSeptic Tank

Water SourcePublic

ParkingAdditional Parking

ViewCreek/Stream

Waterfront TypeCreek, Navigable Water

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms

AppliancesDisposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Washer/Dryer Stacked

HeatingCentral

CoolingCentral Air, Wall/Window Unit(s)

FlooringVinyl, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesWood Burning

# of Stories1

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

Exterior

Exterior FeaturesDock, Fire Pit

Lot DescriptionIrregular Lot

Patio / PorchPatio

FencingFenced, Privacy

RoofShingle

ConstructionBrick

Other StructuresShed(s)

Additional Information

Date ListedAugust 2, 2026

Days on Market54

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

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.

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