This home is in Jacksonville.
Active·12 days on market
8318 Osteen Street
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
BACK ON THE MARKET THROUGH NO FAULT OF THE SELLER AND NOW PRICED BELOW APPRAISED VALUE! Situated on a private, spacious lot, this thoughtfully improved home offers space, privacy and tons of potential! The seller has continued to maintain and improve the property, including a brand-new water heater (2026), new septic system and drain field (2024), new ceiling insulation, whole-home water filtration and water softener. Roof replaced in 2020 and HVAC in 2021. Outside, enjoy a long gravel driveway with ample parking, storage shed, fenced front yard with newer gate, exterior lighting and charming stone walkway. A spacious upper deck and expansive lower deck create wonderful outdoor living space. Inside you'll find a warm wood accent wall and two guest rooms with newer windows. Enjoy as-is, add your own cosmetic touches, or explore the property's potential for future improvements or expansion.
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 — 2020 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,213 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $100,762 | $48,507 | — |
| 2024 | $96,433 | $46,433 | ▲ $7,517 |
| 2023 | $105,829 | $105,829 | — |
| 2022 | $101,502 | $101,502 | ▲ $970 |
| 2021 | $83,373 | $33,373 | — |
| 2020 | $38,037 | $38,037 | — |
2025 property taxes (current owner): $1,378/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 (2025), NEFMLS.
History
Price & status history
- Sep 25, 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 $139/sq ft; this home is listed at $133/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 8231 Susie Street 0, Jacksonville, FL 32210Listed by FLORIDA LIFE REALTY AND INVESTMENTS, LLC. | Jun 2026 | $195,000 | $169 | 3/2 | 1,153 | 51 | 0.1 |
| 8356 Susie Street, Jacksonville, FL 32210Listed by EAGLES WORLD REALTY, INC | Feb 2026 | $87,000 | $114 | 2/1 | 766 | 135 | 0.1 |
| 8350 Osteen Street, Jacksonville, FL 32210Listed by HERRON REAL ESTATE LLC | Aug 2025 | $135,395 | $118 | 2/2 | 1,152 | 24 | 0.1 |
| 8640 Susie Street, Jacksonville, FL 32210Listed by CHAD AND SANDY REAL ESTATE GROUP | Aug 2026 | $137,000 | $146 | 3/1 | 938 | 45 | 0.4 |
| 8145 Maple Street, Jacksonville, FL 32244Listed by FLORIDA HOMES REALTY & MTG LLC | Feb 2026 | $160,000 | $139 | 3/2 | 1,152 | 12 | 0.4 |
| 5725 Hillman Drive, Jacksonville, FL 32244Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $136,000 | $136 | 3/1.5 | 999 | 171 | 0.8 |
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: RE/MAX SPECIALISTS
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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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines