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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 Jacksonville.

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Active

Active·1 day on market

1946 W 44th Street

Jacksonville, FL 32209

$95,000$57/sqftEst. $522/mo mortgageMLS# 2171021
4
Beds
2
Baths
1,680
Sq Ft
1960
Built
—
Garage
No
Pool
FEMA Zone XNo HOA6,098 sqft lotDuplex2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Opportunity awaits with this older two-story Jacksonville duplex featuring one unit downstairs and a second unit upstairs. With its traditional architecture and character, and hardwood flooring in portions of the interior, this property offers a starting point for an investor or renovator ready to take on a renovation project. The property needs repairs and renovations throughout, but it presents great possibilities for future rental income or resale following rehabilitation. Bring your contractor and your vision to explore the property's potential. Whether you're an experienced investor looking for your next renovation or a buyer seeking a property to restore, this duplex deserves a look. Offered in its current condition. Buyers should verify property details, permitted uses, and renovation requirements and conduct their own inspections. Owner may be willing to carry a note with a full price offer and 10% down

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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 · 7.32% · 30yr$522
Property taxesest. at asking price, Duval County$155
Estimated total, before insurance$677/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,106/yr · $176/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

$95,000
$19,000
Loan Term
Monthly Payment
$522
Principal & Interest: $522
Property taxes (est.): $155
Insurance (est.): $63
Estimated Total Monthly
$740
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1960)

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

Solar potential: ~1,444 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 home

As 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,106/yr

Estimated taxes if purchased at asking price: ~$1,900/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

  • Oct 27, 2026Listed$95,000

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 $115/sq ft; this home is listed at $57/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4304 Grunthal Street, Jacksonville, FL 32209Listed by COLDWELL BANKER VANGUARD REALTYAug 2025$125,000$934/21,3501520.6
3615 Charles Street, Jacksonville, FL 32209Listed by FLORIDA HOMES REALTY & MTG LLCApr 2026$209,900$1614/21,300710.7
1552 W 35th Street, Jacksonville, FL 32209Listed by LOKATIONOct 2025$85,000$684/21,248570.7
1351 W 25th Street, Jacksonville, FL 32209Listed by COMPLETE PROP MANAGEMENT LLCJun 2025$194,000$996/21,96871.1
1645 W 17 Street, Jacksonville, FL 32209Listed by AVERRA REALTY LLCSep 2026$220,000$1154/31,907841.2
1055 Glencarin Street, Jacksonville, FL 32208Listed by BETTER HOMES AND GARDENS LIFESTYLES REALTYApr 2026$320,020$1650/01,93401.2

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$95,000
Price / Sq Ft$57
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,680
Total Structure Area1,680 sq ft
Acres0.14 acres
Year Built1960
TypeResidential Income
Sub-TypeDuplex
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryNorthwest Legends, reported on 8 other Royal Terrace listings
MiddleMatthew Gilbert, reported on 13 other Royal Terrace listings
HighWilliam M. Raines, reported on 14 other Royal Terrace listings
County schoolsJacksonville Area Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address1946 W 44th Street, Jacksonville, FL 32209
Area075-Trout River/College Park/Ribault Manor
SubdivisionRoyal Terrace
CityJacksonville
CountyDuval
StateFL
Zip Code32209
Lot Size6,098.4 sq ft
Parcel Number0300720000

Amenities

UtilitiesSewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Off Street, Shared Driveway

Interior

HeatingNone
CoolingWall/Window Unit(s)
# of Stories2
LevelsTwo

Exterior

Exterior FeaturesBalcony
Lot DescriptionCleared

Additional Information

Date ListedOctober 27, 2026
Days on Market1
Tax Amount$2,106.4
Tax Year2025
Listing TermsCash, Conventional, FHA, Owner May Carry
New ConstructionNo

Listing Courtesy of: STONE RIVER REALTY

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

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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