This home is in Jacksonville.
Active·1 day on market
8528 Osteen Street
Jacksonville, FL 32210
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Finally—a home that looks JUST as good in person as it does in the photos! Affordability matters—but today's buyers also need functionality and easy upkeep. This home delivers! Built in 2022, this IMMACULATE and beautifully kept 3BR/2BA home features: NO HOA, an open floor plan, granite countertops, gorgeous vinyl plank floors, generous closet/storage space and ALL appliances included—even a recently purchased, beautiful washer and dryer set. The spacious backyard is fully enclosed by a brand-new vinyl privacy fence—bring your grill, garden plans and outdoor-living ideas! An attached two-car garage and ample parking complete the package. On a quiet dead-end street with no through traffic, you're just off 103rd Street and convenient to Oakleaf Town Center, shopping and dining. Seller-reported low electric bills add to the appeal. Don't just save this listing— Schedule your showing and bring your best offer. Down payment assistance may be available for qualified buyers for this home!
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 — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,015 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 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $209,443 | $158,721 | — |
| 2024 | $196,441 | $196,441 | ▲ $7,517 |
| 2023 | $180,681 | $180,681 | — |
| 2022 | $11,882 | $11,882 | ▲ $970 |
| 2021 | $10,912 | $10,912 | — |
| 2020 | $8,488 | $8,488 | — |
2025 property taxes (current owner): $3,363/yr
Estimated taxes if purchased at asking price: ~$4,700/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
- Oct 9, 2026Listed$239,500
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 $194/sq ft; this home is listed at $200/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 8640 Susie Street, Jacksonville, FL 32210Listed by CHAD AND SANDY REAL ESTATE GROUP | Aug 2026 | $137,000 | $146 | 3/1 | 938 | 45 | 0.1 |
| 8427 McGlothlin Street, Jacksonville, FL 32210Listed by 1 REALTY CORP | Sep 2026 | $116,500 | $96 | 2/2 | 1,216 | 73 | 0.2 |
| 8441 Vining Street, Jacksonville, FL 32210Listed by BETTER HOMES AND GARDENS LIFESTYLES REALTY | Sep 2026 | $250,020 | $207 | 3/2 | 1,209 | 0 | 0.3 |
| 8352 Hewitt Street, Jacksonville, FL 32244Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $240,000 | $202 | 3/2 | 1,188 | 8 | 0.4 |
| 5608 Brannon Avenue, Jacksonville, FL 32244Listed by FREEDOM REALTY GROUP LLC | Aug 2026 | $199,000 | $144 | 3/1 | 1,384 | 42 | 0.4 |
| 8157 Galaxie Drive, Jacksonville, FL 32244Listed by BIRD DOG REAL ESTATE GROUP LLC | Sep 2026 | $230,000 | $194 | 4/2 | 1,184 | 215 | 0.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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.
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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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines