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This home is in Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed Oct 9, 2026·14 days on market·Recent sales in Over 55 & Active Adult

400 E Bay Street 1910

Jacksonville, FL 32202

$405,000sold priceListed at $424,900 · 95.3% of asking$368/sqftMLS# 2164173

Beds

Baths

1,100

Sq Ft

2003

Built

Garage

Pool

FEMA Zone XHOA $977/moWaterfrontCondominium1 story

About this home

Jacksonville

Amazing River views from this 19th floor Plaza condo. Tons of light, wood floors, open floor plan. Private balcony is perfect setting to enjoy sunrises & sunsets, as well as front-row seating for holiday fireworks. Large kitchen featuring granite counters, pantry, and stainless steel appliances. Large Master Suite with linen & walk-in closets. Dedicated laundry room. Enjoy a resort lifestyle at The Plaza, located on the River in downtown Jacksonville. Walk to offices, museums, restaurants, Jaguar games, Jumbo Shrimp games, Icemen hockey and 5 concert venues. Squash court, tennis & pickle ball courts, 24/7 Concierge, sun soaked pool, outdoor kitchen & gas grills, Swedish sauna, steam room, newly renovated fitness center, business center, guest suite, wine lockers & 21st Floor Riverview Lounge for entertaining. Slips available at adjacent Plaza Marina.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$2,226

Property taxesest. at asking price, Duval County$661

HOAbilled monthly$977

Estimated total, before insurance$3,864/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,963/yr · $414/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).

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 — year not disclosed (home built 2003)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,649 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.

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
Atlantic Beach 19th Street lot
about 15 mi · 14 parking spaces
Closest park or preserve
Reddie Point Preserve
about 5 mi · 1.2 mi of trails
Closest public boat ramp
Arlington Road Public Boat Ramp
about 3 mi · St. Johns River
Closest kayak & paddleboard launch
Bee Street Park – Paddlecraft Access
about 0.9 mi · Saint Johns River
Closest youth league fields
Robert F. Kennedy Park and Community Center
about 0.9 mi · Basketball
Closest grocery store
Aldi
about 0.4 mi · 777 North Market Street, 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

2025 property taxes (current owner): $4,963/yr

Estimated taxes if purchased at asking price: ~$7,900/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 17, 2026Closed$424,900
Sep 17, 2026Active Under Contract$424,900
Sep 9, 2026Listed$424,900

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 $233/sq ft; this home is listed at $386/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM
400 Bay Street 404, Jacksonville, FL 32202Listed by CORE REALTY, LLC	Oct 2026	$217,500	$163	2/2	1,338	160
400 E Bay Street 1710, Jacksonville, FL 32202Listed by EGI REAL ESTATE	Oct 2026	$399,900	$364	1/1	1,100	0
400 E Bay Street 1701, Jacksonville, FL 32202Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY	Jun 2026	$227,000	$237	1/1	959	62
400 E Bay Street 1201, Jacksonville, FL 32202Listed by EGI REAL ESTATE	May 2026	$224,000	$233	1/1.5	960	32
400 E Bay Street 1502, Jacksonville, FL 32202Listed by EGI REAL ESTATE	Mar 2026	$240,000	$204	1/1	1,175	9
400 E Bay Street 2004, Jacksonville, FL 32202Listed by CENTURY 21 LIGHTHOUSE REALTY	Mar 2026	$290,000	$217	2/2	1,338	358

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$424,900

Price / Sq Ft$386

Bedrooms1

Bathrooms1.00

Full Baths1

Square Footage1,100

Year Built2003

TypeResidential

Sub-TypeCondominium

StyleTraditional

Property ConditionUpdated/Remodeled

StatusClosed

# of Garages1

Has PoolNo

Is WaterfrontYes

Direction FacesSouth

School Information

ElementaryLong Branch

MiddleMatthew Gilbert

HighStanton

Community Information

Address400 E Bay Street 1910, Jacksonville, FL 32202

Area073-Downtown Jacksonville-Northbank

SubdivisionThe Plaza Condominium At Berkman

CityJacksonville

CountyDuval

StateFL

Zip Code32202

Parcel Number0733490412

ZoningPUD

Amenities

AmenitiesPool, Barbecue, Boat Dock, Boat Slip, Dog Park, Fitness Center, Jogging Path, Management - Full Time, Management- On Site, Sauna, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected, Other

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Attached, Community Structure, Covered, Gated, Guest

ViewBridge(s), City, Marina, River, Water

Waterfront TypeNavigable Water, Ocean Access, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringWood

# of Stories1

LevelsOne

LaundryIn Unit

SecurityClosed Circuit Camera(s), Entry Phone/Intercom, Fire Sprinkler System, Key Card Entry, Secured Elevator, Secured Lobby, Security Gate, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony

Patio / PorchCovered

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedSeptember 9, 2026

Days on Market14

HOA Fees$977 / Monthly

HOA FrequencyMonthly

HOA NamePlaza Condo Assoc

HOA Fee IncludesInsurance, Internet, Maintenance Grounds, Pest Control, Sewer, Trash, Water

Tax Amount$4,963

Tax Year2025

Listing TermsCash, Conventional, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: EGI REAL ESTATE

Sold by: EGI REAL ESTATE (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.

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