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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Sep 28, 2026·2 days on market

465 2nd Street W

Baldwin, FL 32234

$175,000sold priceListed at $170,000 · 102.9% of asking$95/sqftMLS# 2163682
3
Beds
2
Baths
1,838
Sq Ft
1957
Built
2
Garage
No
Pool
No HOA0.61 acresSingle Family Residence1 story

About this home

Baldwin

This charming 1838sqft brick home offers a great opportunity for buyers looking to locate to a small-town setting. This 3 bedroom 2 bathroom home offers plenty of potential for renovation and is ready for its next family to create lasting memories. A one car detached garage offers parking from the side street. The elementary school is within walking distance as well as the middle/senior high school. The large fenced in lot offers plenty of room for the family to enjoy the outdoors. Come checkout the small town feel of Baldwin while still being within easy reach of Jacksonville, Macclenny and surrounding areas. Whether you're looking for an investment property, a fixer upper or searching for a place to call home, this property is worth a look!

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$969
Property taxesest. at asking price, Duval County$286
Estimated total, before insurance$1,255/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$175,000
$35,000
Loan Term
Monthly Payment
$969
Principal & Interest: $969
Property taxes (est.): $286
Insurance (est.): $117
Estimated Total Monthly
$1,372
*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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1957)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,287 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 home

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): $296/yr

Estimated taxes if purchased at asking price: ~$3,400/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 1, 2026Closed$170,000
  • Sep 6, 2026Pending$170,000
  • Sep 5, 2026Listed$170,000

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 $189/sq ft; this home is listed at $92/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
594 Cedar Avenue, Baldwin, FL 32234Listed by REAL BROKER LLCSep 2026$289,000$2063/21,400150.1
425 3rd Street W, Baldwin, FL 32234Listed by UNITED REAL ESTATE GALLERYJul 2026$275,000$1834/21,5061670.2
270 Drew Street W, Baldwin, FL 32234Listed by UNITED REAL ESTATE GALLERYJan 2026$318,000$1663/21,9121660.4
34 Delmonte Street, Baldwin, FL 32234Listed by TPR REAL ESTATE GROUP INCMay 2026$275,000$1963/21,400890.6
16509 Village Green Drive N, Jacksonville, FL 32234Listed by VENTURE REALTY CO, LLCJun 2026$90,000$532/21,707901.9
2493 Canal Road, Baldwin, FL 32234Listed by HERRON REAL ESTATE LLCApr 2026$265,000$1893/21,40422.1

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

Price$170,000
Price / Sq Ft$92
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,838
Acres0.61 acres
Year Built1957
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionFixer
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryMamie Agnes Jones
MiddleBaldwin
HighBaldwin

Community Information

Address465 2nd Street W, Baldwin, FL 32234
Area081-Marietta/Whitehouse/Baldwin/Garden St
SubdivisionBaldwin
CityBaldwin
CountyDuval
StateFL
Zip Code32234
Lot Size26,571.6 sq ft
Parcel Number0003960000

Amenities

UtilitiesElectricity Connected, Sewer Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Electric Range, Refrigerator
HeatingCentral
CoolingCentral Air
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne

Exterior

FencingFenced, Chain Link
RoofShingle
ConstructionBrick
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 5, 2026
Days on Market2
Tax Amount$295.79
Tax Year2025
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

Sold by: HERRON REAL ESTATE LLC (buyer's brokerage)

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

This home sold on Sep 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

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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