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.

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Active

Active·10 days on market

1655 Union Street W

Jacksonville, FL 32209

$135,000$125/sqftEst. $693/moMLS# 2159828

Beds

Baths

1,077

Sq Ft

1999

Built

—

Garage

Pool

About this home

Jacksonville

Beautifully renovated 3-bedroom, 2-bath home in the up and coming New town area. Built in 1999, offering modern updates and low-maintenance living. Recent improvements includes a new roof (2026), new A/C (2026), new water heater (2025), all new plumbing fixtures, and updated electrical (2001). The bright, updated interior creates a clean and cozy feel, making this home a great fit for first-time buyers or investors alike. Conveniently located with easy access to downtown Jacksonville, major highways, shopping, and dining. Call or text to set up a showing today! Tenant occupied - please do not disturb tenants. ALL showings must be confirmed accordingly.

Cost to own

Mortgage calculator

Home Price

$135,000

Down Payment: 20%

$27,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$693

Principal & Interest: $693

Property taxes (est.): $220

Insurance (est.): $90

Estimated Total Monthly

$1,004

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$693

Property taxesest. at asking price, Duval County$220

Estimated total, before insurance$914/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 — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,487 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