This home is in Jacksonville.
$390,0004 bd · 3 ba · 2,024 sq ft
Active·4 days on market
3237 Ernest Street
Jacksonville, FL 32205
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
Back on the market due to NO FAULT of HOME/SELLER. Welcome to this spacious, move-in-ready home in Jacksonville's historic Murray Hill neighborhood! Recently renovated, this home offers either a first or second floor primary suite. At the center of the home is a beautifully updated kitchen featuring an open-concept layout, seamless for hosting and everyday living. The main level offers flexibility with two bedrooms. The larger primary which features an attached bath, dual-sink vanity, and custom closet. A second main-floor bedroom sits directly adjacent to a full guest bath, while two additional bedrooms and a full bath are tucked away upstairs.Storage is built into every corner, from closet systems to new built-in cabinetry in the dining room, living room, and bright main-floor laundry room. There is an oversized attached garage, generous sized driveway, and outbuilding just waiting to be finished. No parking issues here! Walkability to shops, restaurants, and parks for the win!
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 1955)
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: ~1,593 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.
Closest beach parking
Atlantic Beach 19th Street lotabout 19 mi · 14 parking spaces
Closest park or preserve
Jacksonville-Baldwin Rail Trailabout 4 mi · 21.7 mi of trails
Closest public boat ramp
Curtis Lee Johnson Marina Park Public Boat Ramp (aka. Lighthouse Marina)about 3 mi · Cedar River
Closest kayak & paddleboard launch
North Bank River Walk – Gefen Park Paddlecraft Accessabout 2 mi · Saint Johns River
Closest youth league fields
Boone Parkabout 2 mi · Pickleball, Tennis
Closest grocery store
Winn-Dixieabout 2 mi · 5207 Normandy Boulevard, 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): $5,735/yr
Estimated taxes if purchased at asking price: ~$7,600/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
- Nov 5, 2026Active$390,000
- Oct 25, 2026Withdrawn$390,000
- Oct 20, 2026Active Under Contract$390,000
- Oct 12, 2026Active$390,000
- Oct 7, 2026Withdrawn$390,000
- Sep 24, 2026Active$390,000
- Sep 12, 2026Listed$390,000
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 $152/sq ft; this home is listed at $193/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3519 College Street, Jacksonville, FL 32205Listed by HOMEZU.COM OF FLORIDA | Sep 2026 | $180,000 | $109 | 3/1.5 | 1,656 | 28 | 0.3 |
| 3323 Post Street, Jacksonville, FL 32205Listed by EXP REALTY LLC | Sep 2026 | $164,625 | $115 | 3/2 | 1,426 | 83 | 0.3 |
| 225 Shortreed Street, Jacksonville, FL 32254Listed by THIRDSTONE PROPERTIES LLC | Oct 2026 | $139,000 | $93 | 4/2 | 1,492 | 90 | 0.8 |
| 1326 Hollywood Avenue, Jacksonville, FL 32205Listed by COWFORD REALTY & DESIGN LLC | Sep 2026 | $550,000 | $308 | 3/2 | 1,786 | 23 | 0.8 |
| 2859 Sydney Street, Jacksonville, FL 32205Listed by THE LEGENDS OF REAL ESTATE | Oct 2026 | $337,500 | $152 | 5/3 | 2,216 | 12 | 0.9 |
| 1077 Dancy Street, Jacksonville, FL 32205Listed by COWFORD REALTY & DESIGN LLC | Oct 2026 | $430,000 | $206 | 4/3 | 2,088 | 33 | 0.9 |
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: COWFORD REALTY & DESIGN LLC
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.
Keep looking
More homes in Murray Hill Heights
For Sale4518 Astral StreetJacksonville, FL 32205
3 bd · 2 ba · 1,378 sq ft
$379,000Est. $2,017/moNow available in the heart of Murray Hill — a truly unique historic property offering two beautifully upgraded homes…
Listing Office: super seller
For Sale3533 Post StreetJacksonville, FL 32205
4 bd · 2 ba · 1,924 sq ft
$369,000Est. $1,964/moFantastic Duplex Opportunity in Desirable Murray Hill! Whether you're looking for an investment property or a place to…
Listing Office: jpar city and beach
For SaleIncome
3533 Post StreetJacksonville, FL 32205
4 bd · 2 ba · 1,924 sq ft
$369,000Est. $1,964/moFantastic Duplex Opportunity in Desirable Murray Hill! Whether you're looking for an investment property or a place to…
Listing Office: jpar city and beach
For Sale4538 Polaris StreetJacksonville, FL 32205
3 bd · 2 ba · 1,540 sq ft
$418,000Est. $2,225/moCharming two-story Murray Hill bungalow loaded with character! Beautifully renovated while maintaining its historic…
Listing Office: real broker llc
Keep looking
Similar homes in Jacksonville
Explore the area
More in Jacksonville
Jacksonville guides & reports
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