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1820 Thacker Avenue

Jacksonville, FL 32207

$434,900$269/sqftEst. $2,236/moMLS# 2162353

Beds

Baths

1,618

Sq Ft

1917

Built

—

Garage

Pool

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 and HVAC. 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.

Cost to own

Mortgage calculator

Home Price

$434,900

Down Payment: 20%

$86,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,236

Principal & Interest: $2,236

Property taxes (est.): $710

Insurance (est.): $290

Estimated Total Monthly

$3,236

*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$2,236

Property taxesest. at asking price, Duval County$710

Estimated total, before insurance$2,946/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).

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