This home is in Jacksonville.
Pending·21 days on market
2626 Ladino Lane
Jacksonville, FL 32210
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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
If you've been waiting for something affordable that doesn't come with a long list of projects, this might be the one. Priced at just $119,000, this renovated 2-bedroom, 2-bath home sits on 0.46 acres along a quiet paved street and is ready for its next owner. The home has been given a fresh start with a new roof, new flooring, fresh paint, and new appliances--leaving less for you to worry about and more time to simply enjoy your new home. The manageable size keeps everyday living simple, while nearly half an acre gives you some breathing room outside. Start your morning on the covered porch and enjoy the convenience of covered parking at the end of the day. No major renovation project waiting for you. No huge mortgage required to get through the front door. Just a freshly updated home, a quiet setting, some room of your own, and a price that's getting harder and harder to find. At $119,000, 2626 Ladino Ln is proof that homeownership can still be within reach.
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 2007)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,521 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $737/yr
Estimated taxes if purchased at asking price: ~$2,300/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 23, 2026Pending$119,000
- Sep 19, 2026Listed$119,000
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 $192/sq ft; this home is listed at $142/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 7403 Sharbeth Drive N, Jacksonville, FL 32210Listed by SUNCOAST PROPERTY MANAGEMENT LLC | Nov 2025 | $159,990 | $154 | 3/2 | 1,038 | 11 | 0.6 |
| 4220 Varner Road, Jacksonville, FL 32210Listed by LIGHTHOUSE PROPERTY MANAGEMENT & REALTY LLC | Aug 2026 | $200,000 | $195 | 3/2 | 1,025 | 3 | 0.7 |
| 2521 Chris Court, Jacksonville, FL 32210Listed by POINT TO POINT REALTY | May 2026 | $179,000 | $197 | 3/1.5 | 910 | 75 | 0.7 |
| 2142 Fouraker Road, Jacksonville, FL 32210Listed by FLORIDA HOMES REALTY & MTG LLC | Mar 2026 | $187,000 | $192 | 3/2 | 972 | 69 | 0.8 |
| 6946 Jack Horner Lane, Jacksonville, FL 32210Listed by RIGHT PRICE REALTY INC | Jul 2026 | $88,000 | $88 | 2/1 | 1,004 | 10 | 0.9 |
| 2149 Corot Drive, Jacksonville, FL 32210Listed by WORKMAN REAL ESTATE LLC | Oct 2025 | $110,000 | $112 | 3/1 | 984 | 0 | 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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXIT INSPIRED REAL ESTATE
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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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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines