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11558 RAFT Road, Jacksonville, FL, 32218

5beds
3baths
2,408sqft
$240,000
$100price/sqft
$2,113/moest. monthly cost
$84,520/yrincome needed

About This Home

This property offers a rare opportunity with two separate homes on one lot, perfect for an investor or an owner looking to live in one unit and rent out the other. The two-story home features separate entrances for each floor, providing great flexibility for tenants or extended family. The first floor includes one bedroom, a full bathroom, a comfortable living area, a kitchen, and a dedicated laundry room. The second floor mirrors this layout with one bedroom, a full bath, a living area, and a kitchen minus the laundry room. Both levels are well-maintained and move-in ready. The single-story home offers a warm and spacious layout with three bedrooms, one bathroom, a generous common area, a kitchen with a dining space, and an enclosed mudroom. While it could use a few cosmetic updates, it has strong bones and great potential. The roof was replaced in 2022, providing peace of mind for years to come. Located in an up-and-coming neighborhood, this property is surrounded by growth and revitalization. New homes are being built right across the street, as well as along Harbison Street and Jennings Road, continuing all the way to Lem Turner. Whether you're looking to generate rental income, create a multi-generational living setup, or hold a property in a rapidly improving area, this one checks all the boxes. It's a versatile, income-producing opportunity that's ready for its next chapter.

Getting Around

40
WalkingCar-Dependent
40
TransitSome Transit
41
BikeSomewhat Bikeable

Schools

3/10
2/10
Highlands Middle SchoolGrades 6-81.3 mi
2/10
First Coast High SchoolGrades 9-125.9 mi

Construction

Condition

  • Property condition: Fixer,Updated/Remodeled
  • Year built: 1966

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Oven

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Heating & Cooling

  • Heating features: Central,Hot Water
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,408 sqft

Property

Details

  • Parcel number: 0197860000
  • Attached to another structure: Yes

Features

  • Levels: One,Two
  • Stories: 2

Lot

  • Lot size: 7,840 sqft

Parking

  • Parking features: Carport,Gated,Off Street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Lightning
Hurricane
Heat Wave
Inland Flooding
Tsunami

FEMA Declared Disasters in Duval County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,213$14,556
Home Insurance *$171$2,052
Property Taxes $487$5,844
Electricity $242$2,908
Total$2,113$25,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,445/yr
40% on housing$63,390/yr
45% on housing$56,346/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.1%
15.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$100This listing

vs Other Active Listings

Avg $/sqft

ZIP 32218$144
Duval County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 32218$164
Duval County$179

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-27Listed for sale$320,000
2026-04-11Pending sale$320,000
2025-11-03Listed for sale$320,000

For Sale by Agent

AgentHAROLD McCART, III
BrokerageBERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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