3639 CHARLES STREET, JACKSONVILLE, FL, 32209
Active75 days on marketListed May 19, 2026MLS #O6408944
About this home
3639 CHARLES STREET
Great opportunity for investors in Jacksonville. This 2-bed, 1-bath townhome offers an open layout, indoor laundry, and two comfortable bedrooms. Situated in an established neighborhood close to everyday conveniences, it’s a practical addition to any rental portfolio or a budget-friendly starter home. Property Qualifies up to 12k in down payment assistance with Ameri bank.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
762
Sqft
0.1 ac
Lot size
1972
Year built
One
Levels
$135
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$954 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$954/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Jacksonville actives
$135 vs $175
Days on market
75 vs 32 typical
Where $135/sqft sits among the 141 Jacksonville actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Grand Park
Get to know Jacksonville. See the full Jacksonville guide →
Grand Park — neighborhood snapshot
Population
2,779
Median age
53
Median income
$15,224
Median home value
$73,440
Avg household
2
Households w/ children
219
For the school run
Duval County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Jacksonville market
$324K → $341K
Jacksonville median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
69 of 141
Jacksonville actives have cut their price
Median sold price, Jacksonville, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 3639 CHARLES STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$105,000
2603 SUNNY ACRES DRIVE N
3 bd · 1 ba · 854 sqft · $123/sqft · 1 DOM
Sold · Mar ’26$45,000
1227 W 3RD STREET
3 bd · 1 ba · 1,173 sqft · $38/sqft · 19 DOM
Sold · Jul ’26$70,000
1751 POWHATTAN STREET
3 bd · 1.5 ba · 1,248 sqft · $56/sqft · 54 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3639 CHARLES STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3639 CHARLES STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3639 CHARLES STREET FAQs
What would the monthly payment be for 3639 CHARLES STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $954/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 3639 CHARLES STREET?+
The most recent tax bill on record (2025) was $1,739. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3639 CHARLES STREET?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Jacksonville?+
At $102,500, this home is listed about 64% below the Jacksonville median of $282,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3639 CHARLES STREET?+
Northwestern Legends Elementary (elementary), William M. Raines High School (high), Matthew W. Gilbert Middle School (middle) — Duval County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of AFFINITY HOMES LLC · Jessica Barrios. MLS #O6408944.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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