Cottage / Storybook home in Jacksonville, FL
Set in Jacksonville, FL, this Cottage home provides 3 bedrooms and 1 bathroom across 999 square feet. Its Cottage character defines the property's look.
| Price | $112,000 |
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| Beds | 3 |
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| Baths | 1 |
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| Sqft | 999 |
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| Architectural style | Cottage / Storybook (49% match) |
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| Address | 3242 Dignan Street, Jacksonville, FL 32254 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Estately.
Is this a good buy?
Priced below comparable homes.
- At $112K, this home is 51% below the $230K median for 286 similar Cottage / Storybook homes in Jacksonville, FL.
- That works out to $112 per square foot, 38% below the $182 comparable rate.
- On the market 14 days.
| This home | $112,000 |
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| Cottage / Storybook median in Jacksonville, FL | $230,000 (286 homes) |
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| Price per sq ft | $112 vs. $182 comps median |
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It is well below comparable homes, which can mean condition issues, a smaller lot or living area, a leasehold, or a data quirk. Check the source listing before getting excited. Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $740/month with 20% down at a 7.28% 30-year fixed rate. You would need about $31,714 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $613/mo |
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| Property tax (new-buyer reassessed rate) | $85/mo |
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| Homeowners insurance | $42/mo |
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| Total monthly | $740/mo |
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| Down payment (20%) | $22,400 |
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| Income needed | $31,714/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home A (90 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | A (90/100) |
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| Beats renting in | 74% of modeled paths |
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| Modeled 5-yr equity (median) | $83,622 |
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| Range (10th to 90th pct) | $56,870 to $114,858 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Jacksonville, FL where local data is thin.
Local home values
Typical home values in Jacksonville, FL have risen about 18% over the past 5 years (0% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Estately