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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

Active·46 days on market

1846 Mallory Street 5

Jacksonville, FL 32205

$195,000$197/sqftEst. $1,067/moMLS# 2161211
↓ $25,000 below original list
2
Beds
2
Baths
990
Sq Ft
1967
Built
—
Garage
No
Pool
FEMA Zone XHOA $450/mo436 sqft lotCondominium1 story

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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) 333-8595 Text Krista

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

About this home

Jacksonville

Welcome to effortless Jacksonville condo living in this highly sought after first floor condo in River Ridge, located in the heart of 32205. Updated kitchen (2021) with granite countertops, new cabinets, modern appliances and a pantry with pull out shelving. Private in unit laundry and extra storage. A rare feature and one of the few condos in River Ridge offering this convenience. Enjoy stunning St. Johns River views from the shared riverfront patio, perfect for relaxing or entertaining. Located just minutes from the Shoppes of Avondale, top restaurants, boutiques, Riverside, Downtown Jacksonville and I 10. Historic charm. Modern updates. Riverfront lifestyle. Prime 32205 location. Don't wait on this one. Schedule your private tour today and see why this Avondale condo is such a special find.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$1,067
Property taxesest. at asking price, Duval County$318
HOAbilled monthly$450
Estimated total, before insurance$1,836/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$782/yr · $65/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

$195,000
$39,000
Loan Term
Monthly Payment
$1,067
Principal & Interest: $1,067
Property taxes (est.): $318
Insurance (est.): $130
Estimated Total Monthly
$1,516
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1967)

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

Likely sewer

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

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

Solar potential: ~1,689 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $782/yr

Estimated taxes if purchased at asking price: ~$3,800/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 14, 2026Price change$195,000−$15,000
  • Aug 29, 2026Price change$210,000−$10,000
  • Aug 21, 2026Listed$220,000

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

Features

Price$195,000
Price / Sq Ft$197
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage990
Acres0.01 acres
Year Built1967
TypeResidential
Sub-TypeCondominium
StyleTraditional
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address1846 Mallory Street 5, Jacksonville, FL 32205
Area032-Avondale
SubdivisionRiver Ridge
CityJacksonville
CountyDuval
StateFL
Zip Code32205
Lot Size435.6 sq ft
Parcel Number0778780020

Amenities

AmenitiesLaundry, Maintenance Grounds, Trash
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Guest, Off Street

Interior

AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Exterior FeaturesCourtyard
RoofShingle
ConstructionBrick

Additional Information

Date ListedAugust 21, 2026
Days on Market35
HOA Fees$450 / Monthly
HOA FrequencyMonthly
Tax Amount$781.56
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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.

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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