This home is in Jacksonville — a pool home in Jacksonville.
Active·45 days on market
1156 Monterey Street
Jacksonville, FL 32207
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Nestled in the heart of historic Miramar, this fully remodeled home on a rare oversized lot blends timeless charm with modern upgrades - all in a highly walkable neighborhood near San Marco, with top-rated schools. Inside boasts refinished original hardwood floors, fresh interior paint, and updated baths. The White shaker kitchen cabinets with quartz countertops and stainless steel appliances create a warm, elevated feel. Major improvements include a 2019 roof and replumb, 2025 A/C, new septic, and new first-floor windows in 2020. The backyard is a true showstopper, a private, resort-style retreat, perfect for entertaining and everyday living. Features include: a brand-new saltwater pool, in-ground trampoline, custom putting green, fire pit, and spacious deck, new sod, and full irrigation. Close to parks, restaurants and shops. Easy commute downtown, and close to major medical and transportation
Next steps in New Construction — 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.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — 2019 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Septic system (public record) · Public water (record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,637 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
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard and pool on the south side. Today at this address: sunrise 7:27 AM, sunset 6:59 PM.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $562,709 | $343,038 | — |
| 2024 | $549,851 | $332,663 | ▼ $140 |
| 2023 | $559,000 | $321,518 | ▲ $8,235 |
| 2022 | $541,477 | $310,698 | — |
| 2021 | $378,931 | $300,193 | ▲ $8,028 |
| 2020 | $265,094 | $265,094 | ▼ $16,863 |
2025 property taxes (current owner): $6,633/yr
Estimated taxes if purchased at asking price: ~$13,200/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.
History
Price & status history
- Oct 8, 2026Price change$675,000−$24,900
- Aug 27, 2026Listed$699,900
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 $244/sq ft; this home is listed at $339/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4155 London Road, Jacksonville, FL 32207Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $575,000 | $244 | 3/3 | 2,355 | 169 | 0.2 |
| 1278 Eutaw Place, Jacksonville, FL 32207Listed by ROUND TABLE REALTY | Aug 2026 | $522,500 | $327 | 4/2 | 1,597 | 24 | 0.3 |
| 3862 Orlando Circle W, Jacksonville, FL 32207Listed by JPAR CITY AND BEACH | Aug 2026 | $300,000 | $206 | 3/2.5 | 1,453 | 25 | 0.5 |
| 4504 Peachtree Circle E, Jacksonville, FL 32207Listed by RE/MAX SPECIALISTS | Aug 2026 | $440,000 | $233 | 3/2 | 1,888 | 7 | 0.7 |
| 1435 Riverbirch Lane, Jacksonville, FL 32207Listed by ROUND TABLE REALTY | Sep 2026 | $699,000 | $280 | 4/2 | 2,500 | 2 | 0.8 |
| 2010 Sheridan Lane, Jacksonville, FL 32207Listed by JWB REALTY LLC | Oct 2026 | $290,000 | $177 | 4/2.5 | 1,641 | 185 | 1.1 |
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: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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
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