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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 Jacksonville.

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Sold

Sold·Closed Sep 1, 2026·4 days on market·Recent sales in Jacksonville

5446 Potomac Avenue

Jacksonville, FL 32254

$80,000sold priceListed at $89,900 · 89% of asking$69/sqftMLS# 2158625
3
Beds
2
Baths
1,160
Sq Ft
1958
Built
—
Garage
No
Pool
FEMA Zone XNo HOA10,454 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Perfect for first-time buyers or investors seeking strong rental potential. Recently refreshed with fresh paint inside and out, a newer AC unit, a newer roof, and updated plumbing. Fully fenced yard. Area rents average approximately $1,300/month.

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$443
Property taxesest. at asking price, Duval County$131
Estimated total, before insurance$574/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,894/yr · $158/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$80,000
$16,000
Loan Term
Monthly Payment
$443
Principal & Interest: $443
Property taxes (est.): $131
Insurance (est.): $53
Estimated Total Monthly
$627
*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 X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: material not specified — year not disclosed (home built 1958)

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

Likely septic · Private well (public record)

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: ~1,188 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,894/yr

Estimated taxes if purchased at asking price: ~$1,600/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 14, 2026Closed$89,900
  • Aug 10, 2026Pending$89,900
  • Aug 5, 2026Listed$89,900

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 $160/sq ft; this home is listed at $78/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5329 Rio Grande Avenue, Jacksonville, FL 32254Listed by CENTURY 21 INTEGRASep 2026$87,750$634/11,40060.2
3543 Mildred Way, Jacksonville, FL 32254Listed by WJH BROKERAGE FL LLCSep 2026$255,000$1753/21,4553230.8
5806 Pickettville Road, Jacksonville, FL 32254Listed by ERA ONETEAM REALTYSep 2026$165,000$1402/1.51,178430.9
5842 Pickettville Road, Jacksonville, FL 32254Listed by MOMENTUM REALTYSep 2026$179,000$1604/21,120390.9
3104 W 15th Street, Jacksonville, FL 32254Listed by FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENTSep 2026$213,000$1783/21,1971311
3157 4th Street Circle, Jacksonville, FL 32254Listed by REMAX WELCOME HOMESep 2026$135,500$1562/1870401.3

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$89,900
Price / Sq Ft$78
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,160
Acres0.24 acres
Year Built1958
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address5446 Potomac Avenue, Jacksonville, FL 32254
Area074-Paxon
SubdivisionBiltmore
CityJacksonville
CountyDuval
StateFL
Zip Code32254
Lot Size10,454.4 sq ft
Parcel Number0837970000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
Water SourcePublic, Well
ParkingAttached

Interior

Interior FeaturesPrimary Bathroom - Shower No Tub
AppliancesElectric Oven, Refrigerator
HeatingElectric
CoolingElectric
FlooringCarpet, Wood
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Additional Information

Date ListedAugust 5, 2026
Days on Market4
Tax Amount$1,893.94
Tax Year2025
Listing TermsCash, Conventional, Owner May Carry
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: 1 REALTY CORP

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 1, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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