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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 28, 2026·39 days on market·Recent sales in Jacksonville

1502 Gay Avenue

Jacksonville, FL 32207

$90,000sold priceListed at $145,000 · 62.1% of askingMLS# 2159220
0
Beds
0
Baths
0
Sq Ft
—
Built
—
Garage
No
Pool
FEMA Zone XNo HOA4,792 sqft lotUnimproved Land

About this home

Jacksonville

An exceptionally rare opportunity to build your dream home in one of Jacksonville's most charming historic neighborhoods. This beautiful homesite at 1502 Gay Avenue is currently the only buildable lot available in the neighborhood, offering a unique chance to create a custom residence surrounded by timeless architecture, mature trees, and established homes. Whether you envision a classic historic-inspired home or a thoughtfully designed modern residence that complements the neighborhood's character, this property provides the perfect canvas. Enjoy the convenience of being just minutes from San Marco Square, downtown Jacksonville, hospitals, shopping, dining, parks, and the St. Johns River. Build now or secure this rare piece of land for the future. Opportunities like this seldom come available in such a sought-after location. Buyer to verify all zoning, permitting, utilities, and building requirements during due diligence. Only a garage now stands on the property.

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$499
Property taxesest. at asking price, Duval County$147
Estimated total, before insurance$645/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$877/yr · $73/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

$90,000
$18,000
Loan Term
Monthly Payment
$499
Principal & Interest: $499
Property taxes (est.): $147
Insurance (est.): $60
Estimated Total Monthly
$705
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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: material not specified

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

Solar potential: ~1,201 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $877/yr

Estimated taxes if purchased at asking price: ~$1,800/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 28, 2026Closed$145,000
  • Sep 15, 2026Pending$145,000
  • Aug 31, 2026Price change$145,000−$5,000
  • Aug 7, 2026Listed$150,000

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.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1658 St Paul Avenue, Jacksonville, FL 32207Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2025$850,000—0/0—781.4
5241 Cruz Road, Jacksonville, FL 32207Listed by WATSON REALTY CORPJun 2025$70,000—0/0—501.5
0 Lakewood Road, Jacksonville, FL 32207Listed by FLORIDA HOMES REALTY & MTG LLCMay 2025$100,000—0/0—41.7
0 St Augustine Road, Jacksonville, FL 32207Listed by NON MLS (realMLS)Apr 2026$275,000—0/0—231.8
1307 Odessa Street, Jacksonville, FL 32206Listed by MOMENTUM REALTYFeb 2026$50,000—0/0—2801.9
0 A Philip Randolph Boulevard, Jacksonville, FL 32206Listed by EXP REALTY LLCSep 2025$65,000—0/0—332

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$145,000
Bedrooms0
Bathrooms0.00
Full Baths0
Acres0.11 acres
TypeLand
Sub-TypeUnimproved Land
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address1502 Gay Avenue, Jacksonville, FL 32207
Area021-St Nicholas Area
SubdivisionSt Nicholas
CityJacksonville
CountyDuval
StateFL
Zip Code32207
Lot Size4,791.6 sq ft
Parcel Number1459330000
ZoningResidential

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available
Water SourceNone

Exterior

Lot DescriptionCleared
FencingFull
Other StructuresOther
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 8, 2026
Days on Market39
Tax Amount$876.92
Tax Year2025
Listing TermsCash
55+ CommunityNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

Sold by: NON MLS (realMLS) (buyer's brokerage)

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 28, 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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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