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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 Riverview Estates, Jacksonville.

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Pending

Pending·48 days on market·Riverview Estates

9104 Monroe Avenue

Jacksonville, FL 32208

$189,995$156/sqftEst. $1,052/moMLS# 2160915
3
Beds
2
Baths
1,220
Sq Ft
2022
Built
1
Garage
No
Pool

5 more homes for sale in Riverview Estates →Search Riverview Estates on the map

FEMA Zone XNo HOA4,792 sqft lotSingle Family Residence1 story

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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

Riverview Estates

Welcome to this beautiful 3-bedroom, 2 -bathroom home offering 1,220 square feet of comfortable living space. Perfectly designed for families or those seeking extra room, this home provides the perfect balance of convenience and charm. Upon entering, you'll be greeted by a bright and airy living room with plenty of natural light, creating a welcoming atmosphere. The open floor plan flows seamlessly into the dining area and kitchen, ideal for entertaining or daily living. Outside, the backyard offers plenty of space for outdoor activities, or gardening. Don't miss out on this wonderful opportunity to own a cozy and well-maintained home. Schedule a tour today! **Preferred lender incentives please see flyer in document section for more details. **Back on the market as buyer financing fell through**

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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 · 7.4% · 30yr$1,052
Property taxesest. at asking price, Duval County$310
Estimated total, before insurance$1,363/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,430/yr · $286/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

$189,995
$37,999
Loan Term
Monthly Payment
$1,052
Principal & Interest: $1,052
Property taxes (est.): $310
Insurance (est.): $127
Estimated Total Monthly
$1,489
*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 C

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

Roof: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,509 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.

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 7:29 AM, sunset 6:55 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.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • 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

2025 property taxes (current owner): $3,430/yr

Estimated taxes if purchased at asking price: ~$3,700/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.

History

Price & status history

  • Sep 8, 2026Pending$189,995
  • Aug 28, 2026Price change$189,995+$95
  • Aug 25, 2026Pending$189,900
  • Aug 20, 2026Listed$189,900

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 $98/sq ft; this home is listed at $156/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
8951 Adams Avenue, Jacksonville, FL 32208Listed by OPENDOOR BROKERAGE, LLC.Sep 2026$106,500$793/11,35030.2
8764 3rd Avenue, Jacksonville, FL 32208Listed by GPS HOMES REALTY LLCSep 2026$110,000$884/21,248230.5
8832 4th Avenue, Jacksonville, FL 32208Listed by AVALON GROUP USA LLCSep 2026$84,000$713/21,1761420.5
8946 6th Avenue, Jacksonville, FL 32208Listed by FREEDOM REALTY GROUP LLCSep 2026$167,000$1403/21,196530.5
2330 Broom Street, Jacksonville, FL 32208Listed by FREEDOM REALTY GROUP LLCSep 2026$105,000$982/11,0742580.6
2221 Jayson Avenue, Jacksonville, FL 32208Listed by INI REALTYOct 2026$210,000$1524/21,379440.7

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$189,995
Price / Sq Ft$156
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,220
Total Structure Area5,000 sq ft
Acres0.11 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StatusPending
# of Garages1
Has PoolNo
Is WaterfrontNo
Direction FacesNorth

School Information

ElementaryHenry F. Kite
MiddleJean Ribault
HighJean Ribault

Community Information

Address9104 Monroe Avenue, Jacksonville, FL 32208
Area075-Trout River/College Park/Ribault Manor
SubdivisionRiverview Estates
CityJacksonville
CountyDuval
StateFL
Zip Code32208
Lot Size4,791.6 sq ft
Parcel Number0370430040
ZoningResidential

Amenities

UtilitiesElectricity Available
SewerSeptic Tank
Water SourceWell
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan
AppliancesDishwasher, Electric Cooktop, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringLaminate, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionCorner Lot
RoofShingle
ConstructionWood Siding
Road SurfaceConcrete
Road FrontageCity Street

Additional Information

Date ListedAugust 28, 2026
Days on Market16
Tax Amount$3,429.63
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY

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.

The neighborhood

About Riverview Estates

Riverview Estates is a neighborhood in St. Johns County, FL (Duval County), ZIP 32208.

View all Riverview Estates homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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