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4186 RUBY Drive E, Jacksonville, FL, 32246

2beds
1baths
704sqft
$220,000
$313price/sqft
$1,600/moest. monthly cost
$64,000/yrincome needed

About This Home

Welcome to this charming 2-bedroom, 1-bath home situated on a generous .28-acre corner lot-an excellent opportunity for a first-time homebuyer or investment property. The spacious backyard is fully enclosed by an 8-foot vinyl privacy fence and features a wooden deck, an outdoor shower with plenty of room for outdoor entertaining and ample space to relax and enjoy the Florida lifestyle. A covered and screened front porch offers the perfect spot for morning coffee or unwinding at the end of the day. Inside, the home has been freshly painted and features new interior and exterior doors, new baseboards, and luxury vinyl plank flooring. The open living area flows into the kitchen, complete with brand-new stainless steel appliances and concrete countertops finished with an epoxy coating. The tastefully updated bathroom features a single-sink vanity and walk-in shower, while both bedrooms offer comfortable space and ample storage. Additional improvements include a 2025 roof, 3 AC Mini split units,3 years young tankless water heater, updated plumbing and electrical. A separate exterior utility room provides convenient washer and dryer hookups along with additional storage. Centrally located in Jacksonville's Southside area,this homeoffers convenient access to major roads and highways, making it easy to reach shopping, dining, entertainment, and medical facilities throughout the city. With everyday conveniences just minutes away, the location adds even more value for homeowners and investors alike!

Getting Around

68
WalkingSomewhat Walkable
33
TransitSome Transit
51
BikeBikeable

Schools

4/10
2/10
Englewood High SchoolGrades 9-123.4 mi

Construction

Condition

  • Year built: 1952

Materials

  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Range,Refrigerator,Tankless Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Cooling

  • Cooling features: Multi Units,Split System,Other

Features

  • Ceiling Fan(s)
  • Flooring: Tile,Vinyl

Interior Area

  • Total interior livable area: 704 sqft

Property

Details

  • Parcel number: 1247630000
  • Zoning description: Single Family

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Screened
  • Fencing: Full,Vinyl

Lot

  • Lot size: 0.28 Acres
  • Features: Corner Lot

Parking

  • Parking features: Other

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 WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Heat Wave
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 $1,112$13,344
Home Insurance *$154$1,848
Property Taxes $137$1,644
Electricity $197$2,366
Total$1,600$19,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,857/yr
40% on housing$48,000/yr
45% on housing$42,666/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

$313This listing

vs Other Active Listings

Avg $/sqft

ZIP 32246$191
Duval County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 32246$217
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
2026-08-08Price change$215,000
2026-07-04Listed for sale$220,000
2015-10-30Sold$40,102
2015-07-31Listed for sale$40,000
2005-09-20Sold$92,900
2005-05-19Sold$45,000
1996-07-23Sold$29,900

For Sale by Agent

AgentANDREA SMELY
BrokerageRE/MAX SPECIALISTS PV

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