This home is in Jacksonville.
$497,5006 bd · 6.5 ba · 2,340 sq ft
Active·64 days on market
421 W 23rd Street
Jacksonville, FL 32206
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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 beautifully renovated home that offers an incredible amount of space and flexibility. Featuring six bedrooms, each with its own private bath, plus a half-bath for guests, there's room for everyone to enjoy privacy while still coming together in comfortable shared spaces. Perfect for a large family, multigenerational living, or anyone who needs extra room for guests, home offices, or even rental potential. Inside, you'll find a fresh, modern vibe with updated flooring, neutral finishes, recessed lighting, and a sleek kitchen with stainless steel appliances and ample cabinetry. The screened front porch adds charm and creates a cozy spot to relax and soak up Florida living. Located near Downtown, you'll have easy access to sports, entertainment, dining, work, healthcare, and many of Jacksonville's top destinations. Schedule your private showing today!
Next steps in Jacksonville
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 1919)
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: ~1,431 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
South Beach Pavillion, Little Talbot Island State Parkabout 15 mi · 100 parking spaces
Closest park or preserve
Reddie Point Preserveabout 3 mi · 1.2 mi of trails
Closest public boat ramp
Arlington Lions Club Park & Boat Rampabout 3 mi · St. Johns River
Closest kayak & paddleboard launch
North Shore Park Kayak Launchabout 2 mi · St. Johns River - Trout River (Jacksonville)
Closest youth league fields
Simonds-Johnson Parkabout 1 mi · Baseball, Softball
Closest grocery store
Winn-Dixieabout 0.9 mi · 5210 Norwood Ave, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $127,164 | $127,164 | — |
2025 property taxes (current owner): $1,550/yr
Estimated taxes if purchased at asking price: ~$9,800/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 3,601 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
History
Price & status history
- Sep 8, 2026Active$497,500
- Sep 8, 2026Listed$497,500
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 $192/sq ft; this home is listed at $213/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4302 N Pearl Street, Jacksonville, FL 32206Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $345,000 | $122 | 5/2 | 2,834 | 120 | 0.5 |
| 321 W 10th Street, Jacksonville, FL 32206Listed by BELLE EPOQUE REALTY SERVICES LLC | Oct 2026 | $455,787 | $253 | 3/2.5 | 1,800 | 0 | 0.7 |
| 53 W 10th Street, Jacksonville, FL 32206Listed by COWFORD REALTY & DESIGN LLC | Jun 2026 | $455,000 | $250 | 3/2 | 1,822 | 28 | 0.8 |
| 35 W 41st Street, Jacksonville, FL 32206Listed by ICATCHER HOMES REALTY LLC | Sep 2026 | $280,000 | $158 | 4/2 | 1,768 | 22 | 1 |
| 234 W 6th Street, Jacksonville, FL 32206Listed by PETRA MANAGEMENT INC. | Aug 2026 | $260,000 | $107 | 3/2.5 | 2,436 | 62 | 1.1 |
| 1716 N Market Street, Jacksonville, FL 32206Listed by WATSON REALTY CORP | Jul 2026 | $387,500 | $192 | 4/2.5 | 2,015 | 44 | 1.1 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: GEORGE BARNES REALTY SALES AND PROPERTY MANAGEMENT
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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines