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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·36 days on market

1660 University Street

Jacksonville, FL 32209

$110,000$106/sqftEst. $609/moMLS# 2163571
↓ $10,000 below original list
3
Beds
1
Baths
1,038
Sq Ft
1949
Built
1
Garage
No
Pool
FEMA Zone XNo HOA5,227 sqft lotSingle Family Residence1 story

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About this home

Jacksonville

This spacious Jacksonville property offers a practical layout with three bedrooms and one full bathroom. The interior provides comfortable living areas with plenty of opportunity to personalize the space to suit your needs. The property also offers outdoor space with room for entertaining, gardening, recreation, or future improvements. Conveniently located near major roadways, shopping, dining, parks, and everyday amenities, this home presents a great opportunity for a buyer looking to add value and make it their own.

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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$609
Property taxesest. at asking price, Duval County$180
Estimated total, before insurance$789/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,608/yr · $134/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

$110,000
$22,000
Loan Term
Monthly Payment
$609
Principal & Interest: $609
Property taxes (est.): $180
Insurance (est.): $73
Estimated Total Monthly
$862
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1949)

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: ~1,727 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 September 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): $1,608/yr

Estimated taxes if purchased at asking price: ~$2,200/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, NEFMLS.

History

Price & status history

  • Oct 9, 2026Price change$110,000−$10,000
  • Sep 4, 2026Listed$120,000

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 $156/sq ft; this home is listed at $106/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1936 5th Street W, Jacksonville, FL 32209Listed by REAL BROKER LLCSep 2026$204,990$1703/21,2091000.2
1938 W 4th Street, Jacksonville, FL 32209Listed by HASSLE-FREE REALTY LLCSep 2026$182,000$1563/21,164580.2
1980 W 3rd Street, Jacksonville, FL 32209Listed by SOLENE REALTY LLCSep 2026$106,500$813/11,312850.3
1870 Hartridge Street, Jacksonville, FL 32209Listed by ROUND TABLE REALTYOct 2026$98,000$943/21,0482740.4
2033 W 13th Street, Jacksonville, FL 32209Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$190,000$1843/21,031170.4
1757 W 12th Street, Jacksonville, FL 32209Listed by CHAD AND SANDY REAL ESTATE GROUPSep 2026$120,000$1263/1952120.5

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$110,000
Price / Sq Ft$106
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,038
Acres0.12 acres
Year Built1949
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryJohn E Ford
MiddleLake Shore
HighWilliam M. Raines

Community Information

Address1660 University Street, Jacksonville, FL 32209
Area074-Paxon
SubdivisionCollege Gardens
CityJacksonville
CountyDuval
StateFL
Zip Code32209
Lot Size5,227.2 sq ft
Parcel Number0513850000
ZoningSingle Family

Amenities

Community FeaturesSidewalks, Curbs
UtilitiesOther
SewerUnknown
Water SourceOther
ParkingDetached, Garage, On Street
ViewOther

Interior

Interior FeaturesOpen Floorplan
AppliancesElectric Range, Refrigerator
HeatingElectric
CoolingCentral Air
FlooringVinyl
FireplaceNo
# of Fireplaces0
# of Stories1
LevelsOne
LaundryGas Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionFew Trees
RoofShingle
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 4, 2026
Days on Market35
Tax Amount$1,608.17
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MAINSTAY BROKERAGE 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.

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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