2005 Herschel Street 3

• • 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).

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.

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.

• Sep 25, 2026Listed$475,000

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

• 

  For Sale

  144 Prince Albert Avenue

  St. Johns, FL 32259

  4 bd · 2 ba · 2,196 sq ft

  $475,000Est. $2,528/mo

  Newly renovated!! LVP Flooring throughout. Freshly painted inside and outside. Gorgeous waterfront home located in the…

  Listing Office: florida homes realty & mtg llc

• 

  For Sale

  285 W Adelaide Drive

  Fruit Cove, FL 32259

  4 bd · 2 ba · 2,209 sq ft

  $479,999Est. $2,555/mo

  *$Update: $5000 toward Buyers incentives$* Welcome to 285 W Adelaide Dr, where comfort, space, and true Florida vibes…

  Listing Office: florida homes realty & mtg llc

• 

  Pending

  738 Shetland Drive

  St. Johns, FL 32259

  4 bd · 3 ba · 2,040 sq ft

  $460,000Est. $2,448/mo

  Pond and preserve views, thoughtful upgrades and a barely lived-in feel make 738 Shetland Drive a standout in…

  Listing Office: keller williams realty atlantic partners st. augustine

• 

  For Sale

  389 Shetland Drive

  St. Johns, FL 32259

  4 bd · 2.5 ba · 2,338 sq ft

  $494,900Est. $2,634/mo

  4BR 2.5BA 2338 SF, 2 Car gar. screened lanai & private fenced rear yard. Welcome to this spacious open concept home…

  Listing Office: re/max specialists

• 

  For Sale

  231 W 6th Street

  Jacksonville, FL 32206

  4 bd · 2.5 ba · 2,216 sq ft

  $570,000Est. $3,034/mo

  Listing Office: empire network realty

  in North Springfield Heights
• 

  For Sale

  12071 Blackfoot Trail

  Jacksonville, FL 32223

  4 bd · 2 ba · 2,446 sq ft

  $399,000Est. $2,124/mo

  Listing Office: chad and sandy real estate group

  in The Wilderness

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