This home is in Jacksonville — a home near Duncan U. Fletcher High School.
Active·6 days on market
905 Gavagan Road
Jacksonville, FL 32233
About this home
Jacksonville
Welcome to this well-located 3-bedroom, 2-bath home in the desirable Atlantic Beach/Mayport Property, offering unmatched convenience to coastal living. A newer roof installed in 2021 provides added peace of mind, while the location puts you just minutes from the shoreline, multiple public beach access points, Atlantic Beach Town Center, and year-round recreation at Kathryn Abbey Hanna Park. Naval Station Mayport is also just a short drive away, making this home ideal for convenient commutes and easy day-to-day base access. Inside, the kitchen features quartz countertops, stainless steel appliances, and generous storage, opening to a functional layout designed for comfortable everyday living. Solid flooring throughout the home adds durability and a clean, cohesive feel. A two-car garage provides valuable parking, storage, and utility space. With shopping, dining, parks, and the Mayport Ferry. The siding is newly installed and newly painted. Fully furnished!
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $264,222 | $264,222 | — |
| 2024 | $244,161 | $244,161 | — |
| 2023 | $244,925 | $244,925 | — |
| 2022 | $197,377 | $180,782 | ▼ $8,954 |
| 2021 | $165,365 | $165,365 | ▼ $10,041 |
| 2020 | $168,948 | $168,948 | — |
2025 property taxes (current owner): $5,072/yr
Estimated taxes if purchased at asking price: ~$7,700/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 (2025), NEFMLS.
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: Shingle — 2021 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely sewer · Public water (record)
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: ~1,791 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 homeAs 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.
History
Price & status history
- Sep 10, 2026Listed$395,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ERA ONETEAM REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines