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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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Active

$164,0003 bd · 2 ba · 1,500 sq ft

Active·82 days on market

1084 Huron Street

Jacksonville, FL 32254

$164,000$109/sqftEst. $894/mo mortgageMLS# 2160906
↓ $10,000 below original list
3
Beds
2
Baths
1,500
Sq Ft
1961
Built
—
Garage
No
Pool
FEMA Zone XNo HOA5,227 sqft lotMulti Family1 story

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Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

This charming concrete block home in the heart of Jacksonville includes main house has 2-bedrooms, 1-bath (840 sq ft) with flex space; detached apartment has 1-bedroom, 1-bath (660 sq ft). Features: new kitchen appliances; new water heater; new HVAC; spacious kitchen with new kitchen cabinet; solid countertop and new backsplash; all new blinds throughout. Property being sold ''AS IS''.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$894
Property taxesest. at asking price, Duval County$268
Estimated total, before insurance$1,162/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,831/yr · $236/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

$164,000
$32,800
Loan Term
Monthly Payment
$894
Principal & Interest: $894
Property taxes (est.): $268
Insurance (est.): $109
Estimated Total Monthly
$1,271
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1961)

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

Sewer (public record)

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

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

Solar potential: ~1,173 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$152,237$104,295▲ $34,035
2024$118,528$94,814▲ $10,945
2023$111,327$86,195▲ $17,906
2022$66,306$56,480—
2021$52,947$51,346—
2020$49,393$46,679▲ $4,031

2025 property taxes (current owner): $2,831/yr

Estimated taxes if purchased at asking price: ~$3,200/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 14, 2026Price change$164,000−$10,000
  • Aug 20, 2026Listed$174,000

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 $128/sq ft; this home is listed at $109/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3312 Lowell Avenue 1, Jacksonville, FL 32254Listed by CASTILLO REAL ESTATE JAXSep 2025$173,000$1305/11,326350.7
2205 Olustee Street, Jacksonville, FL 32209Listed by GAILEY ENTERPRISES LLCJan 2026$195,000$1284/21,519531
3043 Nolan Street, Jacksonville, FL 32254Listed by NUVIEW REALTYJul 2026$145,000$1044/21,40041.1
3160 Dignan Street, Jacksonville, FL 32254Listed by EXP REALTY LLCJun 2025$185,000$1134/21,632281.1
3535 Rosselle Street, Jacksonville, FL 32205Listed by YOUR HOME SOLD GUARANTEED REALTY ADVISORSMay 2025$225,000$1434/31,572911.4
4122 Quincy Street, Jacksonville, FL 32205Listed by WATSON REALTY CORPJul 2026$135,000$913/21,48841.6

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$164,000
Price / Sq Ft$109
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,500
Acres0.12 acres
Year Built1961
TypeResidential Income
Sub-TypeMulti Family
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address1084 Huron Street, Jacksonville, FL 32254
Area074-Paxon
SubdivisionSection Land
CityJacksonville
CountyDuval
StateFL
Zip Code32254
Lot Size5,227.2 sq ft
Parcel Number0495710000

Amenities

UtilitiesWater Available
Water SourcePublic
ParkingOther

Interior

AppliancesElectric Range, Refrigerator, Tankless Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric, Wall/Window Unit(s)
FlooringTile
# of Stories1
LevelsOne

Exterior

Lot DescriptionOther
ConstructionBlock, Concrete
Road SurfaceAsphalt, Concrete, Paved
Road FrontageCity Street

Additional Information

Date ListedAugust 20, 2026
Days on Market82
Tax Amount$2,831.22
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AVALON GROUP USA LLC

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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