This home is in Jacksonville.
Pending·19 days on market
1036 W 12th Street
Jacksonville, FL 32209
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
FIXER/value add opportunity for the multi-family investor! 2 duplexes on ONE parcel - 4 doors in all. This block build quadraplex provides potential cash flow. Each building contains two 2 bed, one bath units, equaling 8 bedrooms and 4 baths total. Unit 1036/1038 has new roof, decking, windows, new electrical panel and much more. Units 1040/1042 has updated windows, 2nd floor landing and will benefit from your vision - interiors and some siding needed. ARV estimated $385k - $435k; potential rent per unit $850-950 per month. Front of parcel could possibly be delineated and built on. ''CREATIVE'' finance offers will NOT be considered. Buyer to assume all expired permits and code violations; hold harmless to be signed at closing. Showings by appointment only!
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: Other — year not disclosed (home built 1956)
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: ~1,461 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
Sun & Light
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real pool sun without the western afternoon heat.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $150,704 | $150,704 | — |
| 2024 | $124,570 | $124,570 | — |
| 2023 | $112,005 | $64,114 | — |
| 2022 | $78,078 | $58,286 | — |
| 2021 | $62,454 | $52,988 | — |
| 2020 | $52,556 | $48,171 | — |
2025 property taxes (current owner): $4,006/yr
Estimated taxes if purchased at asking price: ~$3,900/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.
History
Price & status history
- Sep 27, 2026Pending$199,000
- Sep 21, 2026Listed$199,000
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 $150/sq ft; this home is listed at $71/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1823 Francis Street, Jacksonville, FL 32209Listed by CENTURY 21 LIGHTHOUSE REALTY | Jul 2025 | $359,500 | $137 | 8/4 | 2,616 | 55 | 0.2 |
| 2622 Boulevard, Jacksonville, FL 32206Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $370,000 | $103 | 8/4 | 3,594 | 56 | 0.6 |
| 353 W 11th Street, Jacksonville, FL 32206Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $519,500 | $150 | 4/4 | 3,468 | 36 | 0.6 |
| 1352 Mount Herman Street, Jacksonville, FL 32209Listed by KELLER WILLIAMS FIRST COAST REALTY | Jun 2026 | $185,000 | $74 | 6/0 | 2,500 | 123 | 0.6 |
| 151 W 17th Street, Jacksonville, FL 32206Listed by TU FAMILIA REAL ESTATE | Jun 2026 | $500,000 | $151 | 9/4 | 3,312 | 27 | 0.9 |
| 1554 N Market Street, Jacksonville, FL 32206Listed by TRADITIONS REALTY LLC | Sep 2026 | $450,000 | $188 | 4/4 | 2,388 | 11 | 1.2 |
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: KELLER WILLIAMS FIRST COAST 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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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