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Active

Active·33 days on market

4654 Fredericksburg Avenue

Jacksonville, FL 32208

$239,900$195/sqftEst. $1,270/moMLS# 2160952

Beds

Baths

1,230

Sq Ft

1954

Built

—

Garage

Pool

FEMA Zone XNo HOASingle Family Residence1 story

About this home

Jacksonville

Welcome to this fully renovated 3-bedroom, 2-bathroom gem, packed with character and thoughtful updates throughout! Freshly painted from top to bottom, this 1,230 sq ft home features elegant crown molding in nearly every room, while the bedrooms boast soaring vaulted ceilings that create a bright, airy feel. Both bathrooms have been tastefully renovated, and new flooring runs throughout the home for a clean, cohesive feel. A finished carport adds convenient covered parking, while the enclosed front porch offers a charming parlor-style retreat -- perfect for relaxing with a good book or enjoying a quiet moment of peace. This is a rare blend of classic charm and modern updates -- move-in ready and waiting for its next owner. Conveniently located with easy access to major roadways, shopping, and dining. Schedule your showing today

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,270

Property taxesest. at asking price, Duval County$392

Estimated total, before insurance$1,662/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$239,900

Down Payment: 20%

$47,980

Interest Rate: 6.95%

Loan Term

Monthly Payment

$1,270

Principal & Interest: $1,270

Property taxes (est.): $392

Insurance (est.): $160

Estimated Total Monthly

$1,822

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 E

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

Roof: material not specified — year not disclosed (home built 1954)

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: ~1,085 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

Price & status history

Aug 20, 2026Listed$239,900

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

Features

Price$239,900

Price / Sq Ft$195

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,230

Year Built1954

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryRutledge H Pearson

MiddleJean Ribault

HighJean Ribault

Community Information

Address4654 Fredericksburg Avenue, Jacksonville, FL 32208

Area075-Trout River/College Park/Ribault Manor

SubdivisionOsceola Forest

CityJacksonville

CountyDuval

StateFL

Zip Code32208

Parcel Number0377800000

ZoningResidential

Amenities

UtilitiesElectricity Connected

Water SourcePublic

ParkingCarport

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s)

AppliancesRefrigerator

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

Additional Information

Date ListedAugust 20, 2026

Days on Market0

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: NJOI REALTY LLC · veronicaTHEagent@gmail.com

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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