This home is in Jacksonville.
Active·10 days on market
5615 Morse Avenue
Jacksonville, FL 32244
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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
This one's a charmer! Seller offering $5,000 toward buyer closing cost, pre-paids and/or interest rate buydown with full price offer. 3/2 concrete block home with thoughtful updates & plenty of character. Starting with a covered porch that spans across the front of the home & offers the perfect spot to unwind at the end of the day. Next, step inside to hardwood flooring & natural wood finishes that create a warm & timeless feel throughout. The freshly painted exterior, metal roof, beautifully renovated bathroom & refreshed kitchen adorned w/ SS appliances will have you ready to move right in. To top it all off, a beautiful addition expanded the home's footprint & functionality by adding an inside laundry room, separate living area & 3rd bedroom w/ private ensuite. This versatile space opens the door to numerous possibilities for modern day living. A one-car garage, detached workshop, storage shed & pump house provide valuable space for parking, hobbies, projects & additional storage.
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.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Metal — year not disclosed (home built 1961)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Private well (public record)
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: ~1,528 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 October 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
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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
2025 property taxes (current owner): $1,294/yr
Estimated taxes if purchased at asking price: ~$5,300/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
- Oct 1, 2026Active$269,000
- Sep 22, 2026Listed$269,000
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 $189/sq ft; this home is listed at $195/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 7088 Sandperch Street, Jacksonville, FL 32244Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $329,000 | $185 | 4/2 | 1,775 | 12 | 0.3 |
| 7094 Sandperch Street, Jacksonville, FL 32244Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Sep 2026 | $304,000 | $191 | 3/2 | 1,590 | 58 | 0.3 |
| 7081 Sandperch Street, Jacksonville, FL 32244Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $334,990 | $189 | 4/2 | 1,775 | 30 | 0.3 |
| 5824 Joy Drive S, Jacksonville, FL 32244Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $380,000 | $221 | 3/2 | 1,716 | 8 | 0.8 |
| 6809 Morse Oaks Drive, Jacksonville, FL 32244Listed by EVERYSTATE INC | Sep 2026 | $253,000 | $155 | 4/2 | 1,630 | 91 | 0.9 |
| 7190 Preston Pines Trail, Jacksonville, FL 32244Listed by MOMENTUM REALTY | Sep 2026 | $255,000 | $189 | 3/2 | 1,352 | 0 | 1.1 |
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: UNITED REAL ESTATE GALLERY
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