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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 — a waterfront home in Jacksonville.

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Active

$289,0002 bd · 1 ba · 1,031 sq ft

Active·58 days on market

1789 River Road 2

Jacksonville, FL 32207

$289,000$280/sqftEst. $1,566/mo mortgageMLS# 2164539
↓ $10,000 below original list
2
Beds
1
Baths
1,031
Sq Ft
1945
Built
—
Garage
No
Pool
FEMA Zone AEHOA $475/mo1,307 sqft lotWaterfrontCondominium1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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

Come home to an updated, 2/1, waterfront condo with fantastic views of the St. Johns River. Walking distance to historic San Marco Square's restaurants, shops, & neighborhood sights. City amenities include a nearby fishing dock, tennis & pickle ball courts, library branch, family-fun parks, & a shared use path that joins San Marco to Riverside. This condo offers a private entrance within the quadplex & assigned, covered parking a few steps from the back door. The open floor plan offers spacious rooms with lots of natural light & generous storage. Recent updates make this choice move-in ready & energy efficient. Living area offers LVP flooring, ceiling fans, & 2'' blinds. Kitchen & bath flooring is porcelain stone tile, synthetic kitchen countertops. Beveled, solid core doors throughout. Stainless appliances & washer/dryer included. Location? River Road is convenient to major metro highways, near some of the City's largest employers, & some of its finest public and private schools.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.18% · 30yr$1,566
Property taxesest. at asking price, Duval County$473
HOAbilled monthly$475
Estimated total, before insurance$2,514/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,781/yr · $232/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

$289,000
$57,800
Loan Term
Monthly Payment
$1,566
Principal & Interest: $1,566
Property taxes (est.): $473
Insurance (est.): $193
Estimated Total Monthly
$2,232
*30-year loan at 7.18% APR (avg 30-yr rate 2026-11-05, 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1945)

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: ~1,747 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.

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.

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

YearMarket valueTaxable valueChange
2026$247,000$131,751▼ $13,000

2025 property taxes (current owner): $2,781/yr

Estimated taxes if purchased at asking price: ~$5,700/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 3,601 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

  • Oct 14, 2026Price change$289,000−$10,000
  • Sep 18, 2026Active$299,000
  • Sep 11, 2026Listed$299,000

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 $234/sq ft; this home is listed at $280/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
838 Cedar Street 838, Jacksonville, FL 32207Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYMay 2026$280,000$2802/11,000500.4
1528 Palm Avenue, Jacksonville, FL 32207Listed by KELLER WILLIAMS ST JOHNSMar 2026$170,000$2221/17661550.4
819 Lasalle Street 819, Jacksonville, FL 32207Listed by ERA ONETEAM REALTYFeb 2026$298,000$2342/21,2742980.4
1533 Le Baron Avenue 1533, Jacksonville, FL 32207Listed by THE LEGENDS OF REAL ESTATEJul 2026$300,000$2252/21,3322960.5
2130 San Marco Boulevard A-3, Jacksonville, FL 32207Listed by MILLER & COMPANY REAL ESTATEFeb 2026$212,500$2901/17341790.5
1050 Hendricks Avenue 103, Jacksonville, FL 32207Listed by LA ROSA REALTY JACKSONVILLE, LLC.Jun 2026$202,888$2281/1888800.8

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

Price$289,000
Price / Sq Ft$280
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage1,031
Acres0.03 acres
Year Built1945
TypeResidential
Sub-TypeCondominium
StyleContemporary
Property ConditionUpdated/Remodeled
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address1789 River Road 2, Jacksonville, FL 32207
Area011-San Marco
SubdivisionLeco Condominium
CityJacksonville
CountyDuval
StateFL
Zip Code32207
Lot Size1,306.8 sq ft
Parcel Number0813170102

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned, Carport
ViewRiver
Waterfront TypeRiver Front

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Split Bedrooms
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer/Dryer Stacked
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
RoofShingle
ConstructionBlock

Additional Information

Date ListedSeptember 18, 2026
Days on Market58
HOA Fees$475 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Pest Control
Tax Amount$2,780.78
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LINDA STRICKLAND REALTY

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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