This home is in Jacksonville.
Pending·51 days on market
1365 Spearing Street
Jacksonville, FL 32206
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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
Jacksonville
This one stands out. Set on a rare oversized double-width lot, this freshly renovated 3-bedroom, 2-bath home offers a fantastic layout with outdoor space that's hard to find in the area. Enjoy a huge yard with a storage shed and a west-facing front porch perfect for catching the evening sunset. Inside, you'll find generous double closets in each bedroom and a private bath in the primary. Updates include a brand-new tear-off roof, new water heater, serviced HVAC, premium granite countertops, new appliances, renovated bathrooms, updated lighting and flooring, and smoothed ceilings. Built on a raised slab, the home is surrounded by substantial new construction and continued investment in the neighborhood. An awesome place to call home. *Listing agent is the owner of the property.
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.
- • 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 2004)
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: ~1,683 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
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): $803/yr
Estimated taxes if purchased at asking price: ~$4,500/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 3, 2026Pending$229,900
- Aug 20, 2026Listed$229,900
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 $205/sq ft; this home is listed at $210/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 706 5th Street E, Jacksonville, FL 32206Listed by BETTER HOMES AND GARDENS LIFESTYLES REALTY | Sep 2026 | $220,020 | $171 | 3/2.5 | 1,284 | 0 | 0.1 |
| 1233 Van Buren Street, Jacksonville, FL 32206Listed by DOGWOOD REALTY | Sep 2026 | $224,900 | $214 | 3/2 | 1,053 | 12 | 0.2 |
| 1118 E 3rd Street, Jacksonville, FL 32206Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $235,000 | $227 | 2/2 | 1,036 | 148 | 0.2 |
| 1116 Evergreen Avenue, Jacksonville, FL 32206Listed by MAXREV, LLC | Aug 2026 | $85,000 | $63 | 3/1 | 1,360 | 15 | 0.2 |
| 502 E 5th Street, Jacksonville, FL 32206Listed by ALFA REALTORS CORP | Aug 2026 | $131,000 | $142 | 2/1 | 925 | 41 | 0.2 |
| 1203 Weare Street, Jacksonville, FL 32206Listed by BETTER HOMES AND GARDENS LIFESTYLES REALTY | Aug 2026 | $210,017 | $205 | 2/2.5 | 1,022 | 0 | 0.4 |
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: US REALTY HUB
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines