This home is in Jacksonville.
Active·Listed today
1044 W 28th Street
Jacksonville, FL 32209
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Excellent investment or owner-occupant opportunity! This versatile property features two separate buildings. The main home offers 1,186 gross sq ft with 3 bedrooms and 2 bathrooms, while the rear building offers 476 gross sq ft with a separate 1-bedroom, 1-bathroom units BOTH UNITS ARE VACANT, providing immediate flexibility for an owner-occupant or investor. The larger unit could rent for approximately $1,000/month and the smaller unit for approximately $750/month, offering potential combined rental income of $1,750/month. Property is being sold AS-IS and needs some repairs and improvements. Live in one unit and rent the other, or rent both for additional income potential. Conveniently located near schools, healthcare, golf courses, major roads, and Downtown Jacksonville. Great opportunity to add value and generate rental income in a convenient Jacksonville location.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
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
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: Shingle — year not disclosed (home built 1922)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,533 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 homeAs 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, league fields and grocery store from this home's location.
Closest beach parking
South Beach Pavillion, Little Talbot Island State Parkabout 16 mi · 100 parking spaces
Closest park or preserve
Reddie Point Preserveabout 4 mi · 1.2 mi of trails
Closest public boat ramp
T.K. Stokes Public Boat Rampabout 3 mi · Ribault River
Closest kayak & paddleboard launch
North Shore Park Kayak Launchabout 2 mi · St. Johns River - Trout River (Jacksonville)
Closest youth league fields
Simonds-Johnson Parkabout 0.5 mi · Baseball, Softball
Closest grocery store
Winn-Dixieabout 0.7 mi · 5210 Norwood Ave, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:34 AM, sunset 6:47 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $157,562 | $156,713 | — |
| 2024 | $142,467 | $142,467 | — |
| 2023 | $113,383 | $112,987 | — |
| 2022 | $42,585 | $42,585 | — |
| 2021 | $18,833 | $18,407 | — |
| 2020 | $18,619 | $16,734 | — |
2025 property taxes (current owner): $3,494/yr
Estimated taxes if purchased at asking price: ~$2,400/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 (2025), NEFMLS.
History
Price & status history
- Oct 22, 2026Active$125,000
- Oct 5, 2026Pending$125,000
- Sep 22, 2026Price change$125,000−$10,000
- Sep 9, 2026Price change$135,000−$17,000
- Aug 13, 2026Listed$152,000
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. Their median is $99/sq ft; this home is listed at $81/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1351 W 25th Street, Jacksonville, FL 32209Listed by COMPLETE PROP MANAGEMENT LLC | Jun 2025 | $194,000 | $99 | 6/2 | 1,968 | 7 | 0.4 |
| 330 W 26th Street, Jacksonville, FL 32206Listed by CHAD AND SANDY REAL ESTATE GROUP | Apr 2026 | $155,000 | $90 | 4/2 | 1,728 | 138 | 0.7 |
| 3730 Lehigh Street, Jacksonville, FL 32206Listed by DOOR INVESTMENT LLC | Aug 2025 | $170,000 | $95 | 4/2 | 1,792 | 147 | 0.7 |
| 209 W 23rd Street, Jacksonville, FL 32206Listed by DISTINCTIVE PROPERTIES OF JACKSONVILLE INC | Sep 2026 | $107,500 | $64 | 4/2 | 1,687 | 23 | 0.8 |
| 423 Linwood Avenue, Jacksonville, FL 32206Listed by THE THAYVER GROUP | Dec 2025 | $190,000 | $117 | 3/0 | 1,630 | 0 | 0.8 |
| 516 Linwood Avenue, Jacksonville, FL 32206Listed by THE THAYVER GROUP | Dec 2025 | $130,000 | $109 | 2/2 | 1,196 | 10 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: VIRTUALTY REAL ESTATE
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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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines