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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·20 days on market

5652 Potomac Avenue

Jacksonville, FL 32254

$130,000$112/sqftEst. $694/moMLS# 2164339
↓ $20,000 below original list
4
Beds
2
Baths
1,164
Sq Ft
2023
Built
—
Garage
No
Pool
FEMA Zone AENo HOA0.69 acresSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Virtually Staged. Unique income-producing opportunity in Jacksonville! This property features two separate residences on one parcel, offering a total of 4 bedrooms and 2 bathrooms. The property includes a 684 sq. ft. mobile home with 2 bedrooms and 1 bathroom, as well as a 480 sq. ft. single-family home with 2 bedrooms and 1 bathroom. An excellent opportunity for investors, multigenerational living, or an owner-occupant looking to live in one residence while generating rental income from the other. Conveniently located near shopping, dining, schools, and major roadways. Don't miss this versatile property with multiple possibilities!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$694
Property taxesest. at asking price, Duval County$212
Estimated total, before insurance$906/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,242/yr · $187/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

$130,000
$26,000
Loan Term
Monthly Payment
$694
Principal & Interest: $694
Property taxes (est.): $212
Insurance (est.): $87
Estimated Total Monthly
$993
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 2023)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~898 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

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): $2,242/yr

Estimated taxes if purchased at asking price: ~$2,500/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

Price & status history

  • Sep 22, 2026Price change$130,000−$20,000
  • Sep 10, 2026Listed$150,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$130,000
Price / Sq Ft$112
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,164
Acres0.69 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address5652 Potomac Avenue, Jacksonville, FL 32254
Area074-Paxon
SubdivisionSection Land
CityJacksonville
CountyDuval
StateFL
Zip Code32254
Lot Size30,056.4 sq ft
Parcel Number0833780000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesOther
AppliancesNone
HeatingCentral, Electric
CoolingNone
FlooringCarpet
# of Stories1

Additional Information

Date ListedSeptember 10, 2026
Days on Market12
Tax Amount$2,241.73
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SIGNATURE

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

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20+ years · 500+ closings · NE Florida

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