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This home is in Jacksonville.

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2765 Forbes Street

Jacksonville, FL 32205

$389,000$364/sqftEst. $1,998/moMLS# 2161248

Beds

Baths

1,068

Sq Ft

1924

Built

—

Garage

Pool

About this home

Jacksonville

Welcome to this charming Riverside bungalow, ideally located just one block from the local favorites of the King Street District! A cozy covered front porch welcomes you into this 3-bedroom, 2-bath home, blending vintage character with thoughtful updates including an updated kitchen with granite countertops, soft-close cabinetry and stainless steel appliances, updated baths, and interior laundry. The spacious backyard offers plenty of room to relax or entertain with a paver patio, firepit and established landscaping. An added bonus is the detached, heated and cooled flex space; currently used as a home office and workout room, with endless possibilities for how you make it your own. Enjoy generous outdoor space and one of Riverside's most convenient locations. Roof replaced in 2022 and HVAC in 2020.

Cost to own

Mortgage calculator

Home Price

$389,000

Down Payment: 20%

$77,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,998

Principal & Interest: $1,998

Property taxes (est.): $635

Insurance (est.): $259

Estimated Total Monthly

$2,892

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.65% · 30yr$1,998

Property taxesest. at asking price, Duval County$635

Estimated total, before insurance$2,633/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,305/yr · $359/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,305/yr

Estimated taxes if purchased at asking price: ~$7,600/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,621 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

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