This home is in Jacksonville.
Active·45 days on market
3085 Armstrong Street
Jacksonville, FL 32218
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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) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Welcome to this single-story residence built in 2021, offering 1,247 square feet of low-maintenance living space. Featuring an open-concept floor plan, this move-in ready 3-bedroom, 2-bathroom home features durable vinyl flooring throughout. Sunlight gently filters through the bedrooms, highlighting soft, updated finishes, while the main living area flows effortlessly into a welcoming kitchen complete with ample storage and a separate laundry space with full connections. Retreat to the primary suite with an en-suite bath, while two additional bedrooms offer versatility for guests or a home office. Exterior highlights include an attached 1-car garage and a generous yard on a 5,375 sq ft lot with no HOA or CDD fees. Conveniently situated near major highways, schools, shopping, and Jacksonville International Airport. Some photos contain virtual staging to illustrate potential layout options.
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: material not specified — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,360 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,523/yr
Estimated taxes if purchased at asking price: ~$4,300/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
- Oct 7, 2026Price change$219,000−$5,900
- Sep 16, 2026Price change$224,900−$5,000
- Aug 27, 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 $204/sq ft; this home is listed at $175/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3323 Armstrong Street, Jacksonville, FL 32218Listed by RPB REALTY,INC | Jul 2026 | $246,900 | $204 | 3/2 | 1,209 | 7 | 0.1 |
| 3311 Armstrong Street, Jacksonville, FL 32218Listed by RPB REALTY,INC | Jul 2026 | $246,900 | $206 | 3/2 | 1,200 | 47 | 0.1 |
| 3001 Harbison Street, Jacksonville, FL 32218Listed by MOMENTUM REALTY | Sep 2026 | $249,000 | $205 | 3/2.5 | 1,217 | 43 | 0.2 |
| 3221 Pine Avenue, Jacksonville, FL 32218Listed by RPB REALTY,INC | Aug 2026 | $239,900 | $159 | 3/2.5 | 1,509 | 100 | 0.2 |
| 3213 Pine Avenue, Jacksonville, FL 32218Listed by RPB REALTY,INC | Aug 2026 | $240,000 | $159 | 3/2.5 | 1,509 | 30 | 0.2 |
| 3237 Pine Avenue, Jacksonville, FL 32218Listed by RPB REALTY,INC | Jul 2026 | $239,900 | $159 | 3/2.5 | 1,509 | 72 | 0.2 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: JWB REALTY LLC
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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Your Local Realtor
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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines