David Ramirez
$23,000≈$324 /mo all-in ↓

HARDING AVENUE, JACKSONVILLE, FL, 32219

Active9 days on marketListed Jul 14, 2026MLS #TB8529205

✦ Priced 93% below the JACKSONVILLE 32219 medianLINCOLN VILLAS

About this home

HARDING AVENUE

Build your dream home on this 11,321± sq. ft. residential lot in Duval County, FL! This homesite offers plenty of space for a custom residence and is conveniently located near shopping, dining, schools, major highways, and everything Jacksonville has to offer. Whether you're ready to build or invest, this property presents excellent potential in a growing area. Cash purchase only. Buyer pays all closing costs.

Facts & features

The home at a glance

0.26 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$223/yr

Utilities & systems

UtilitiesElectricity Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$324 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$135
FHA mortgage insurance (est.)$10
Property tax — 2025 actual bill$19
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $805Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $805
Interest rate6.00%
Loan term

Estimated payment

$324/mo

Principal & interest$135
FHA mortgage insurance (est.)$10
Property taxes (actual bill)$19
Est. insurance$160

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.

Where it sits

Inside Lincoln Villas

Map of HARDING AVENUE inside its neighborhood boundary

Get to know Jacksonville. See the full Jacksonville guide →

Lincoln Villas — neighborhood snapshot

Population

5,269

Median age

48

Median income

$59,238

Median home value

$179,741

Avg household

3

Households w/ children

532

For the school run

Duval County School District

ElementaryRutledge H. Pearson Elementary School★★★★★
MiddleJean Ribault Middle School★★★★★
HighJean Ribault High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Jacksonville market

Seller’s marketLeans seller — 3.7 months of inventoryBuyer’s market

$324K → $341K

Jacksonville median sold, yr/yr

97.6%

Sale-to-list ratio (12 mo)

Median sold price, Jacksonville, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 93% below the JACKSONVILLE 32219 median. See the full Jacksonville market guide →

Paper trail

This home's history

Jul 14, 2026Listed at $23,000 · 9 days on market since

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about HARDING AVENUE — start here.

CallText
david.ramirez@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for HARDING AVENUE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

HARDING AVENUE FAQs

What would the monthly payment be for HARDING AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $324/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 HARDING AVENUE?+

The most recent tax bill on record (2025) was $223. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Jacksonville?+

At $23,000, this home is listed about 92% below the Jacksonville median of $282,000. The market section on this page shows how the area is trending.

Which schools are assigned to HARDING AVENUE?+

Rutledge H. Pearson Elementary School (elementary), Jean Ribault Middle School (middle), Jean Ribault High School (high) — Duval County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of FIELDS OF PROSPER LLC · Clarence Fields. MLS #TB8529205.

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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