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This home is in Jacksonville.

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Active

Active·9 days on market

1820 N Market Street

Jacksonville, FL 32206

$439,990$205/sqftEst. $2,262/moMLS# 2161331

Beds

Baths

2,144

Sq Ft

2005

Built

Garage

Pool

About this home

Jacksonville

Historic Springfield, Jacksonville's premier front-porch community. NEW ROOF! Enjoy the 2005 timeless Victorian look without the historic maintenance. Located in this 3BR/2.5BA home features classic downstairs hardwood floors, Gas Fireplace, kitchen with island and granite countertops also Gas Range for cooking! Stellar curb appeal with a covered front porch and private upper balcony. Fully fenced private backyard oasis with a hot tub surrounded by a rear deck. Detached 2-car garage boasts a finished bonus room above with a dedicated mini-split system--ideal for an office, studio, gym or extra room. Walk Score of 91 out 100! Stroll to current Main St and other area dining like Tulua Bistro, Crispy's, and The District. Also, Good Sandwich steps from home. Minutes from proposed regional growth like the planned Phoenix Arts District and Emerald Trail. Easy access to I-95/I-10 and under 30 mins to Jax beaches. Don't miss this modern, gem in a booming location with Historic Like Charm!

Cost to own

Mortgage calculator

Home Price

$439,990

Down Payment: 20%

$87,998

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,262

Principal & Interest: $2,262

Property taxes (est.): $718

Insurance (est.): $293

Estimated Total Monthly

$3,274

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,262

Property taxesest. at asking price, Duval County$718

Estimated total, before insurance$2,980/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,766/yr · $731/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

Year	Market value	Taxable value	Change
2025	$472,465	$472,465	—
2024	$435,701	$435,701	▼ $132
2023	$439,775	$377,372	—
2022	$391,229	$343,066	—
2021	$311,879	$311,879	—
2020	$290,338	$290,338	—

2025 property taxes (current owner): $8,766/yr

Estimated taxes if purchased at asking price: ~$8,600/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 (2025), NEFMLS.

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 2005)

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: ~1,721 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.

History

Price & status history

Aug 21, 2026Listed$439,990

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

Features

Price$439,990

Price / Sq Ft$205

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,144

Acres0.10 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address1820 N Market Street, Jacksonville, FL 32206

Area072-Springfield

SubdivisionSpringfield

CityJacksonville

CountyDuval

StateFL

Zip Code32206

Lot Size4,356 sq ft

Parcel Number0718580020

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingDetached, Garage, Guest, Off Street, On Street

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Gas Range, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup

SecuritySecurity System Owned

Spa FeaturesHeated, Above Ground