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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·28 days on market

1820 Thacker Avenue

Jacksonville, FL 32207

$434,900$269/sqftEst. $2,409/moMLS# 2162353
4
Beds
2
Baths
1,618
Sq Ft
1917
Built
—
Garage
No
Pool
FEMA Zone XNo HOA5,227 sqft lotSingle Family Residence1 story

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

About this home

Jacksonville

Zoned CRO -- live in it, work in it, or both. Built in 1927 and holding onto everything that makes homes of that era worth owning: original hardwood floors, a working fireplace, and proportions you don't get in new construction. The kitchen has been opened to the adjacent living space with a bar added, so the floor plan lives modern on pre-war bones. Four true bedrooms and two full baths across 1,618 heated square feet. Newer roof (2020) and HVAC (2021). Outside, a pavered driveway and a gated, fully fenced backyard. The CRO zoning is the rare part. Run a practice out of the front, live in the back. Or keep it fully residential and simply own the optionality. Properties with this designation don't come up often in the greater San Marco area.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,409
Property taxesest. at asking price, Duval County$710
Estimated total, before insurance$3,119/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,553/yr · $463/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

$434,900
$86,980
Loan Term
Monthly Payment
$2,409
Principal & Interest: $2,409
Property taxes (est.): $710
Insurance (est.): $290
Estimated Total Monthly
$3,409
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 — 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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — 2020 per the listing

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

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: ~1,686 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): $5,553/yr

Estimated taxes if purchased at asking price: ~$8,500/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 17, 2026Active$434,900
  • Sep 3, 2026Pending$434,900
  • Aug 28, 2026Listed$434,900

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 $290/sq ft; this home is listed at $269/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
909 Cedar Street, Jacksonville, FL 32207Listed by REAL BROKER LLCAug 2026$525,000$2904/31,813980.6
821 Old Hickory Road, Jacksonville, FL 32207Listed by DJ & LINDSEY REAL ESTATEOct 2026$395,000$2852/1.51,385140.7
1503 Lorimier Road, Jacksonville, FL 32207Listed by FLATFLEE.COM INCOct 2026$535,000$3263/2.51,642430.9
1524 Kingswood Road, Jacksonville, FL 32207Listed by REALTY ONE GROUP ELEVATEAug 2026$510,000$3053/21,67391.1
2121 Felch Avenue, Jacksonville, FL 32207Listed by DOOR INVESTMENT LLCSep 2026$215,000$1574/11,3701671.3
2036 Sheridan Street, Jacksonville, FL 32207Listed by REAL BROKER LLCOct 2026$255,000$1524/21,680441.4

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

Price$434,900
Price / Sq Ft$269
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,618
Acres0.12 acres
Year Built1917
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address1820 Thacker Avenue, Jacksonville, FL 32207
Area011-San Marco
SubdivisionMetes & Bounds
CityJacksonville
CountyDuval
StateFL
Zip Code32207
Lot Size5,227.2 sq ft
Parcel Number0820120000
ZoningResidential/Office

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking

Interior

AppliancesRefrigerator
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories1

Additional Information

Date ListedSeptember 17, 2026
Days on Market6
Tax Amount$5,553.48
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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

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.

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