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Active

Active·2 days on market

2052 Ernest Street

Jacksonville, FL 32204

$749,000$326/sqftEst. $3,847/moMLS# 2160845

Beds

Baths

2,301

Sq Ft

2018

Built

Garage

Pool

About this home

Jacksonville

**SAT OPEN HOUSE**Built in 2018 to echo Riverside's early-1900s architecture, this impeccable 4-br 3-bath Craftsman offers classic character w/o the maintenance of an older home. A full covered front porch welcomes you into an elevated interior featuring 10-foot ceilings, 6'' plank wood floors, crown molding, plantation shutters, custom built-ins & abundant natural light. The designer kitchen impresses with double-stacked, two-tone cabinetry & opens effortlessly to the living & dining areas. The spacious primary suite includes a tray ceiling, a high-end customized closet, plus an adjoining bonus room. Entertain outdoors on the newer deck with built-in seating, fiber-optic lighting and a remote-controlled awning with wind sensor. Additional highlights include smart-home features, tankless water heater, water softener, reverse osmosis, irrigation, extended parking & detached garage. Near Riverside Park & walkable to Five Points, dining, shop & entertainment. This one truly stands apart!

Cost to own

Mortgage calculator

Home Price

$749,000

Down Payment: 20%

$149,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,847

Principal & Interest: $3,847

Property taxes (est.): $1,223

Insurance (est.): $499

Estimated Total Monthly

$5,569

*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$3,847

Property taxesest. at asking price, Duval County$1,223

Estimated total, before insurance$5,070/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,543/yr · $879/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $10,543/yr

Estimated taxes if purchased at asking price: ~$14,700/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.

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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2018)

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: ~1,574 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 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 19, 2026Listed$749,000

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

Features

Price$749,000

Price / Sq Ft$326

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,301

Acres0.13 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryCentral Riverside

MiddleLake Shore

HighRiverside

Community Information

Address2052 Ernest Street, Jacksonville, FL 32204

Area031-Riverside

SubdivisionRiverside

CityJacksonville

CountyDuval

StateFL

Zip Code32204

Lot Size5,662.8 sq ft

Lot Dimensions50x117x50x117

Parcel Number0914490000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Connected

SewerPublic Sewer

Water SourcePublic

ParkingDetached, Garage, Garage Door Opener, On Street

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Range, Gas Water Heater, Instant Hot Water, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingElectric, Multi Units

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup

Security24 Hour Security, Closed Circuit Camera(s), Security System Owned