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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·7 days on market

2876 College Street

Jacksonville, FL 32205

$389,900$194/sqftEst. $2,065/moMLS# 2164968
6
Beds
2
Baths
2,008
Sq Ft
1926
Built
Garage
No
Pool
FEMA Zone XNo HOA6,098 sqft lotDuplex1 story

About this home

Jacksonville

Live in one and rent the other--or add a well-located duplex to your portfolio--in the heart of the Riverside/Avondale Historic District. This versatile property features two 3-bedroom/1-bath units, each separately metered for water and electric, offering strong rent-growth potential for house hackers and long-term investors alike. Both units feature updated kitchens with granite countertops, newer cabinetry and appliances, plus in-unit stacked laundry. A new 2026 roof, newer tankless water heaters and 2020 foundation reinforcement help support the next chapter. The exterior has been recently prepped and primed, giving the buyer freedom to select the final color. A large side-and-rear driveway provides abundant off-street parking--a standout in Riverside. Walk to King Street dining and nightlife, with Avondale, Murray Hill, parks and restaurants just minutes away. A compelling combination of location, flexibility and upside.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$2,065
Property taxesest. at asking price, Duval County$637
Estimated total, before insurance$2,701/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,264/yr · $522/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

$389,900
$77,980
Loan Term
Monthly Payment
$2,065
Principal & Interest: $2,065
Property taxes (est.): $637
Insurance (est.): $260
Estimated Total Monthly
$2,961
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 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 — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,515 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,264/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

  • Sep 15, 2026Listed$389,900

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

Features

Price$389,900
Price / Sq Ft$194
Bedrooms6
Bathrooms2.00
Full Baths2
Square Footage2,008
Acres0.14 acres
Year Built1926
TypeResidential Income
Sub-TypeDuplex
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address2876 College Street, Jacksonville, FL 32205
Area031-Riverside
SubdivisionNew Riverside
CityJacksonville
CountyDuval
StateFL
Zip Code32205
Lot Size6,098.4 sq ft
Parcel Number0646090000
ZoningMulti Family

Amenities

UtilitiesCable Connected, Electricity Connected, Separate Electric Meters, Separate Water Meters, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOff Street

Interior

AppliancesElectric Range, Refrigerator, Tankless Water Heater, Washer/Dryer Stacked
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LaundryIn Unit

Exterior

Lot DescriptionHistoric Area
RoofShingle
ConstructionWood Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 15, 2026
Days on Market0
Tax Amount$6,264.2
Tax Year2025
Listing TermsCash, Conventional, FHA
New ConstructionNo

Listing Courtesy of: NOMAD REALTY · Rich@NomadJAX.com

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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