$128,795
459 W 65TH Street, Jacksonville, FL 32208, Jacksonville, FL 32208
Panama Terrace
- Price
- $128,795
- Beds / Baths
- 3 / 1
- Living area
- 1,056 sqft
- Year built
- 1944
- Type
- Residential
- Lot
- 0.14 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Duval
- Days on market
- 156
$122/sqft asking, vs a $116/sqft median across 744 closed sales in 32208 over the last 12 months — 5% above the area's closed prices. Condition and lot vary; that's what a showing is for.
From the curb, it's a 1944 cottage. Walk through the front door and the timeline jumps 80 years. Three bedrooms, one bath, 1,056 heated square feet, completely renovated inside. Vinyl plank flooring throughout, marble-look tile bath surround, white cabinetry with granite counters, gray and white palette wall to wall. Central AC and forced-ducted heat in a house built before most homes had either. The lot runs deep at 50x124 with a detached garage and utility building adding 360 square feet of covered workspace. Gable roof, comp shingles, aluminum and vinyl siding. The structure has stood for eight decades. The interior lives like it was finished last month. Cottage bones. Modern guts. That combination doesn't sit long.
What to check on this one
- Verify roof age—comp shingles on 1944 home may need replacement soon for insurance eligibility.
- Pull 4-point inspection + wind-mitigation report before offer; insurers require these for pre-1980 homes.
- Confirm flood zone designation with FEMA map; listing shows unknown—critical for insurance and resale.
- Request permits for all interior renovation work completed; verify electrical/plumbing/HVAC to code.
- Check for polybutylene plumbing (pre-1995 era homes); original 1944 cast-iron may need replacement.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $103,036 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of COLDWELL BANKER VANGUARD REALTY. Data via realMLS (Northeast Florida MLS), updated Mar 30, 2026, 9:46 PM.
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