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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in San Jose, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·15 days on market·San Jose

5494 Stanford Road

Jacksonville, FL 32207

$300,000$233/sqftEst. $1,662/moMLS# 2166662
2
Beds
2.5
Baths
1,288
Sq Ft
1985
Built
1
Garage
No
Pool

13 more homes for sale in San Jose →Search San Jose on the map

FEMA Zone XHOA $70/mo3,485 sqft lotWaterfrontSingle Family Residence2 stories

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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

San Jose

Welcome home to this beautifully updated 2-bedroom, 2.5-bath end-unit townhome offering peaceful creek views and everyday comfort. The remodeled kitchen features granite countertops, newer cabinetry, and updated appliances, while brand-new LVP flooring flows throughout and catches the light reflecting off the water. Relax by the fireplace on cool evenings, or step out onto either of your TWO balconies for morning coffee and stunning sunsets over the creek. The end-unit location adds privacy, and the spacious garage provides convenient parking and storage. Every space has been refreshed and is ready for your personal touch. Enjoy NO CDD fees and a low HOA that includes lawn care. Close to shopping and dining, this move-in-ready home blends tranquility and convenience. Schedule your showing today!

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,662
Property taxesest. at asking price, Duval County$490
HOAbilled monthly$70
Estimated total, before insurance$2,222/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,309/yr · $276/mo
  • • 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

$300,000
$60,000
Loan Term
Monthly Payment
$1,662
Principal & Interest: $1,662
Property taxes (est.): $490
Insurance (est.): $200
Estimated Total Monthly
$2,352
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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: Shingle — year not disclosed (home built 1985)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,630 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 home

As 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): $3,309/yr

Estimated taxes if purchased at asking price: ~$5,900/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, NEFMLS.

History

Price & status history

  • Sep 26, 2026Listed$300,000

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 $225/sq ft; this home is listed at $233/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1840 Cornell Road, Jacksonville, FL 32207Listed by THE LEGENDS OF REAL ESTATEAug 2026$309,900$2293/11,35320.1
1940 Lakewood Circle S, Jacksonville, FL 32207Listed by 7 STAR REALTY, INC.Sep 2026$170,000$1273/1.51,3411040.3
1735 Clemson Road, Jacksonville, FL 32217Listed by WHOLESALE REALTY LLCAug 2026$140,000$963/11,45830.3
5206 Tulane Avenue, Jacksonville, FL 32207Listed by WATSON REALTY CORPOct 2026$352,500$2254/21,56960.4
6118 Mercer Circle E, Jacksonville, FL 32217Listed by SUPREME PATH BROKERAGE LLCOct 2026$136,000$1312/11,03630.6
6226 Mercer Circle E, Jacksonville, FL 32217Listed by 1 REALTY CORPSep 2026$250,000$2422/11,034360.7

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

Price$300,000
Price / Sq Ft$233
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,288
Acres0.08 acres
Year Built1985
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontYes

Community Information

Address5494 Stanford Road, Jacksonville, FL 32207
Area012-San Jose
SubdivisionSan Jose
CityJacksonville
CountyDuval
StateFL
Zip Code32207
Lot Size3,484.8 sq ft
Parcel Number1478821020

Amenities

AmenitiesMaintenance Grounds, Management - Part Time
UtilitiesCable Connected, Electricity Connected, Sewer Connected
Water SourcePublic
ParkingGarage
Waterfront TypePond

Interior

AppliancesDishwasher, Electric Oven, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo

Exterior

RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 26, 2026
Days on Market11
HOA Fees$70 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds
Tax Amount$3,309.09
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

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.

The neighborhood

About San Jose

San Jose is a neighborhood in Jacksonville, FL (Duval County), ZIP 32207.

View all San Jose homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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