916

Duval County FL Homes under $200,000

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  • /35

    $175,000

    • 3 Beds
    • 2 Baths
    • 1,157 Sq Ft

    7920 Merrill Rd Unit 1107, Jacksonville, FL 32277

    Spacious 3-bedroom, 2-bath ground-floor condo located in the gated community of Merrill Pines. This well-maintained unit features an open living and dining area, tile flooring throughout, and a fully equipped kitchen with ample cabinet space. Community amenities include a pool and clubhouse.

    LARA KASEER FLORIDA HOMES REALTY & MTG LLC

    7920 Merrill Rd Unit 1107, Jacksonville, FL 32277
  • /11

    $105,000

    • 3 Beds
    • 1 Bath
    • 896 Sq Ft

    6601 Cleveland Rd, Jacksonville, FL 32209

    BACK ON MARKET - no fault to seller!! Well maintained 3 bedroom, 1 bath home located in the established neighborhood of Cleveland Heights. This property has been lovingly cared for and offers a great opportunity for homeowners or investors alike. Featuring a functional layout and a comfortable living space, this home is move-in ready and priced to sell. Conveniently located near major roads,

    ANISLEY HERNANDEZ AMADOR UNITED REAL ESTATE GALLERY

    6601 Cleveland Rd, Jacksonville, FL 32209
  • /21

    $170,000

    • 2 Beds
    • 2 Baths
    • 1,244 Sq Ft

    7800 Point Meadows Dr Unit 818, Jacksonville, FL 32256

    SELLERS OFFERING ONE-YEAR HOME WARRANTY! Beautifully updated 2-bedroom, 2-bath condo located in a highly desirable gated community in the Gate Parkway/Baymeadows area. This ground-floor unit features brand-new LVP flooring throughout, freshly painted interiors, and a kitchen with stainless steel appliances. Both bedrooms offer walk-in closets, providing excellent storage. Relax on your private

    Alan Paraso UNITED REAL ESTATE GALLERY

    7800 Point Meadows Dr Unit 818, Jacksonville, FL 32256
  • /49

    $199,999

    • 2 Beds
    • 2 Baths
    • 1,138 Sq Ft

    13810 Sutton Park Dr N Unit 828, Jacksonville, FL 32224

    Welcome to this beautifully maintained 2 bedroom, 2 bathroom second floor condo in one of the most desirable areas of Jacksonville. This light filled unit offers peaceful views of a wooded preserve from every window, creating a serene backdrop you'll love coming home to. Inside, you'll find thoughtfully updated features including updated bathroom vanities and stylish lighting that add a fresh,

    JENNA MILLER CASTILLO REAL ESTATE JAX

    13810 Sutton Park Dr N Unit 828, Jacksonville, FL 32224
  • /16

    $105,000

    • 2 Beds
    • 1 Bath
    • 1,008 Sq Ft

    2239 W 17th St, Jacksonville, FL 32209

    Priced to sell! Great investment opportunity or perfect as a starter home. With some TLC, this concrete block 2-bedroom, 1 flex room with 1 full bathroom home can be your haven. Coner lot, fully fenced, big backyard and offers quick access to major highways. Good-sized bedrooms with ample closet space. This home ia an ideal choice for those seeking a sturdy and well-located property. Don't miss

    ANGELINA BURNS WATSON REALTY CORP

    2239 W 17th St, Jacksonville, FL 32209
  • /28

    $149,000

    • 3 Beds
    • 2 Baths
    • 1,180 Sq Ft

    554 Roberts St, Jacksonville, FL 32254

    Charming 3BR/2BA Home with Solid Upside in Jacksonville's Westside Welcome to this well-positioned 3-bedroom, 2-bathroom home offering approximately 1,180 sqft of living space in Jacksonville's growing westside corridor. This property presents a great opportunity for both homeowners and investors looking for value, functionality, and long-term upside. Inside, you'll find a practical layout with

    LAITH ZALLOUM ZALLOUM REALTY LLC

    554 Roberts St, Jacksonville, FL 32254
  • /15

    $160,000

    • 2 Beds
    • 2 Baths
    • 1,112 Sq Ft

    2774 Fitzgerald St, Jacksonville, FL 32254

    Step inside this beautifully renovated bungalow and fall in love!This bright and inviting living space features high ceilings, an open layout, and stunning natural light throughout. The modern flooring and elegant design details create the perfect blend of charm and contemporary style. The decorative fireplace adds character, while the open flow leads seamlessly into a fully updated kitchen

    YENEISY CRUZ FLORIDA HOMES REALTY & MTG LLC

    2774 Fitzgerald St, Jacksonville, FL 32254
  • /22

    $195,000

    • 4 Beds
    • 2 Baths
    • 1,281 Sq Ft

    744 Mackinaw St, Jacksonville, FL 32254

    This beautifully designed 4-bedroom, 2-bath home offers the perfect blend of comfort and functionality with an open-concept layout ideal for modern living. The heart of the home features a seamless flow between the living, dining, and kitchen areas, creating a bright and inviting space perfect for both everyday life and entertaining. Large windows fill the home with natural light, enhancing the

    LAURA WHEELER HONEYCOMB REALTY LLC

    744 Mackinaw St, Jacksonville, FL 32254
  • /32

    $150,000

    • 2 Beds
    • 2 Baths
    • 1,128 Sq Ft

    11251 Campfield Dr Unit 1102, Jacksonville, FL 32256

    Welcome to this spacious and well-kept 2-bedroom, 2-bath condo in the gated Campfield community of Jacksonville. This ground-floor unit features an open layout with tile and carpeted floors, a modern kitchen with stainless steel appliances, and a screened lanai with serene lake views. The primary suite includes a large walk-in closet and private bath with dual sinks. Enjoy access to community

    Staci Chavez NAVY TO NAVY HOMES LLC

    11251 Campfield Dr Unit 1102, Jacksonville, FL 32256
  • /25

    $129,900

    • 2 Beds
    • 1 Bath
    • 836 Sq Ft

    7905 Paul Jones Dr, Jacksonville, FL 32208

    Welcome to this beautifully updated 2-bedroom, 1-bath single-family brick home that combines timeless character with modern finishes throughout. Recent improvements include brand-new appliances, fresh paint, new flooring, and fully updated bathrooms, creating a stylish and move-in-ready living space. The charming porch entry adds warmth and curb appeal, while the fenced backyard offers the

    Prince Kumar AIM REALTY OF JACKSONVILLE

    7905 Paul Jones Dr, Jacksonville, FL 32208
  • /36

    $195,000

    • 2 Beds
    • 2 Baths
    • 1,230 Sq Ft

    9401 Osprey Branch Trail Unit 8, Jacksonville, FL 32257

    Welcome home to this beautifully refreshed two-story condo in the gated community of Osprey Branch in East Mandarin-Beauclerc. This bright and inviting residence features cathedral ceilings and an open split floor plan with two bedrooms and two full baths, offering both comfort and privacy. Enjoy updated finishes including solid surface countertops, brand new carpet, and fresh paint throughout.

    Amila Celebic FLORIDA HOMES REALTY & MTG LLC

    9401 Osprey Branch Trail Unit 8, Jacksonville, FL 32257
  • /22

    $119,000

    • 3 Beds
    • 1 Bath
    • 1,354 Sq Ft

    652 Fern St, Jacksonville, FL 32206

    3 bedrooms, 1 full bathroom with a very spacious 792 square foot building in the back that could be many things; 2nd house to rent out but you will need to hook up your utilities (electric, water & sewage) or allow this to be your man cave, she shed, extra storage for kid toys, bikes or whatever you can imagine. It is a great addition to the already spacious 3/1. Beautiful large front porch. Does

    Brittany Sublett SUBLETT ESTATES

    652 Fern St, Jacksonville, FL 32206
  • /15

    $185,000

    • 3 Beds
    • 2 Baths
    • 930 Sq Ft

    1050 Ontario St, Jacksonville, FL 32254

    Welcome to 1050 Ontario Street -- a 3-bedroom, 2-bath home in Jacksonville that offers comfort, space, and key upgrades already in place. Step inside to a warm, inviting layout with spacious living areas and a natural flow that works well for both everyday living and entertaining.Enjoy peace of mind with a new roof and new HVAC system. The home features a functional design that makes it easy

    DEJON ELLIS JPAR CITY AND BEACH

    1050 Ontario St, Jacksonville, FL 32254
  • /19

    $185,000

    • 3 Beds
    • 2 Baths
    • 1,164 Sq Ft

    2324 W 16th St, Jacksonville, FL 32209

    Step into 2324 W 16th St to discover a residence where modern updates and a thoughtful layout create a truly inviting atmosphere. The heart of the home features a well-appointed kitchen, complete with a functional island and a full suite of stainless steel appliances. The entire interior is brightened by fresh paint, leading you toward a seamless transition to the outdoors. Outside, a covered

    Karen Albright OPENDOOR BROKERAGE, LLC.

    2324 W 16th St, Jacksonville, FL 32209
  • /35

    $150,000

    • 2 Beds
    • 2 Baths
    • 950 Sq Ft

    3434 Blanding Blvd Unit 203, Jacksonville, FL 32210

    Live the waterfront lifestyle on the First Coast. This 2/2 Condo with beautiful views of the water has been meticulously maintained and ready for a new owner. Upgraded kitchen with lots of storage, modern appliances and granite countertops. The balcony area is covered and screened for year round enjoyment. Great amenities include gym, pool, clubhouse and waterfront docks. All behind a secure

    Wesley Broxson MARK SPAIN REAL ESTATE

    3434 Blanding Blvd Unit 203, Jacksonville, FL 32210
  • /12

    $129,900

    • 3 Beds
    • 2 Baths
    • 1,218 Sq Ft

    8032 Lexington Dr, Jacksonville, FL 32208

    Back on the market at no fault to the seller. Listed under appraisal value. Welcome to 8032 Lexington Dr.! This 3 bedroom, 1 bathroom home features durable LVP flooring, an open kitchen with appliances included, and a spacious backyard with room to relax or entertain. Conveniently located near shopping, dining, and major highways, this property is move-in ready and well-suited for both homeowners

    Valerie Womble EXIT 1 STOP REALTY

    8032 Lexington Dr, Jacksonville, FL 32208
  • /26

    $200,000

    • 3 Beds
    • 1 Bath
    • 1,533 Sq Ft

    1704 Paine Ave, Jacksonville, FL 32211

    This charming three bedroom single family home sits on a spacious corner lot and offers 1,533 square feet of comfortable living space on nearly a quarter acre. The generous backyard provides plenty of room for entertaining, outdoor gatherings, or simply relaxing with family and friends. Conveniently located just a few minutes drive from downtown, airport, and close to the beach. Enjoy easy access

    Joy Williams KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

    1704 Paine Ave, Jacksonville, FL 32211
  • /14

    $139,000

    • 3 Beds
    • 2 Baths
    • 1,274 Sq Ft

    29 W 21st St, Jacksonville, FL 32206

    This property presents an excellent opportunity for savvy investors seeking steady rental income or first-time homebuyers looking to enter the market with confidence. With an attached garage for added storage and everyday convenience, this charming 3-bedroom, 2-bath home is situated in a highly desirable area—close to schools, shopping centers, and public transportation.Whether you're

    Moses Nae VIRTUALTY REAL ESTATE

    29 W 21st St, Jacksonville, FL 32206
  • /17

    $179,000

    • 1 Bed
    • 1 Bath
    • 905 Sq Ft

    3591 Kernan Blvd S Unit 830, Jacksonville, FL 32224

    Welcome to your perfect little sanctuary in the heart of Jacksonville ✨ This preciously decorated 1 bed, 1 bath condo in the gated Avanti community is the ideal space for a first-time buyer, young couple, or anyone craving cozy, low-maintenance living. Perched on the third floor, this light-filled home feels airy and inviting from the moment you walk in. You'll love the warm touches

    AMELIA SABATER CROSSVIEW REALTY

    3591 Kernan Blvd S Unit 830, Jacksonville, FL 32224
  • /17

    $199,900 Open Sat 10:30AM - 1PM

    • 2 Beds
    • 1 Bath
    • 768 Sq Ft

    3544 Indigo Dr, Jacksonville, FL 32207

    STUNNING 2026 RENOVATION! This concrete block cottage on a quiet cul-de-sac offers the ultimate 'peace of mind' for first-time buyers. Boasting a Brand New HVAC (2026), updated plumbing/electrical, a New Water Heater, and a durable Metal Roof, this home is built for longevity and insurance savings. Inside, enjoy a designer kitchen with Quartz countertops, brand-new appliances, and waterproof LVP

    KRISTIANO LEME REAL BROKER LLC

    3544 Indigo Dr, Jacksonville, FL 32207
  • /45

    $165,000

    • 2 Beds
    • 2 Baths
    • 1,103 Sq Ft

    10075 Gate Pkwy N Unit 1902, Jacksonville, FL 32246

    Great Location, desirable gated Mirabelle 2/2 Condo ( no garage) 1103 sqf for sale, First Floor, NO Stairs. Master bedroom facing water fountain. Tile through out all the living area, carpet in two rooms. Stainless steel appliances, washer and dryer. New AC unit 2024 and water heater 2024 Freshly paint the whole condo with soft grey color.

    Lily Wang PREMIER HOMES REALTY INC

    10075 Gate Pkwy N Unit 1902, Jacksonville, FL 32246
  • /26

    $175,000

    • 3 Beds
    • 1 Bath
    • 1,176 Sq Ft

    5150 Broadway Ave, Jacksonville, FL 32254

    Great Investment or Starter Opportunity! This 3-bedroom home is full of potential and located in an area seeing continued growth and improvement. The property includes a carport currently being converted into a studio, offering extra income potential or additional living space. It features a newer 2022 roof and plenty of room for customization. With a bit of finishing work, this home can easily

    NORA POU SEPULVEDA FLORIDA HOMES REALTY & MTG LLC

    5150 Broadway Ave, Jacksonville, FL 32254
  • /21

    $170,000

    • 2 Beds
    • 1.5 Baths
    • 952 Sq Ft

    4358 Timuquana Rd Unit 150, Jacksonville, FL 32210

    Enjoy easy, convenient living in this well-maintained condo! The home features a bright and inviting layout with an open living and dining area, along with generously sized bedrooms. Ideally situated in a highly walkable neighborhood, you're just steps from everyday essentials--grocery stores, pharmacies, coffee shops, and dining are all within reach. Commuting is a breeze with quick access to

    HOLLIE SIMMONS GAILEY ENTERPRISES LLC

    4358 Timuquana Rd Unit 150, Jacksonville, FL 32210
  • /28

    $139,000

    • 3 Beds
    • 2 Baths
    • 1,032 Sq Ft

    1922 Maclean Rd, Jacksonville, FL 32209

    Great investment opportunity! This 3-bedroom, 2-bathroom single-family home is already tenant-occupied, making it perfect for investors seeking immediate cash flow. The property is currently rented for $1,100/month with a lease in place through February 28, 2027. Major update includes a roof replaced in 2021, providing added value and peace of mind. Whether you're expanding your portfolio or

    Moses Nae VIRTUALTY REAL ESTATE

    1922 Maclean Rd, Jacksonville, FL 32209
  • /6

    $105,000

    • Land
    • 1.07 Acres
    • $98,131 per Acre

    10737 Crystal Springs Rd, Jacksonville, FL 32221

    Amazing developer or investment opportunity located on the Westside, just minutes from I-10 and Chaffee Road. This property can be purchased as an individual parcel or combined with adjacent parcels for added potential. Photo shows adjacent parcels that are also for sale.

    EDWINA BURCH KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

    10737 Crystal Springs Rd, Jacksonville, FL 32221
  • /16

    $189,000

    • 3 Beds
    • 2 Baths
    • 1,080 Sq Ft

    6978 Robert F Kennedy Cir, Jacksonville, FL 32209

    Bright, clean, and beautifully updated, this charming brick home offers comfort, style, and functionality. Featuring a desirable split-bedroom layout with 3 bedrooms and 2 full baths, the home provides both privacy and flexibility for everyday living. Step inside to find a fresh, modern feel with tasteful updates throughout and a soft, inviting color palette. The combination of carpet and vinyl

    Rachel Andrews NUMOVZ REAL ESTATE INC

    6978 Robert F Kennedy Cir, Jacksonville, FL 32209
  • /30

    $185,000

    • 2 Beds
    • 2.5 Baths
    • 1,340 Sq Ft

    8201 Sutton Place N, Jacksonville, FL 32217

    Welcome to this updated 2-Bedroom, 2.5-Bath end unit! The main level boasts a spacious living area featuring new, stylish LVP flooring, blending modern appeal w/durability. Upstairs, retreat to two oversized dual primary suites. Each bedroom is complete with its own full en suite bathroom & a large walk-in closet--a perfect setup for a primary residence or a high-demand investment property.

    Paige Covington CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

    8201 Sutton Place N, Jacksonville, FL 32217
  • /18

    $104,900

    • 3 Beds
    • 1 Bath
    • 828 Sq Ft

    3332 Japonica Rd N, Jacksonville, FL 32209

    Solid concrete block home with recent roof replacement and newer HVAC, offering peace of mind for the next owner. Ideal for buyers looking for an affordable property with major systems already updated.

    Yolonda Williams KELLER WILLIAMS JACKSONVILLE

    3332 Japonica Rd N, Jacksonville, FL 32209
  • /6

    $120,000

    • Land
    • 0.97 Acre
    • $123,711 per Acre

    840 Forgotten Way, Jacksonville, FL 32221

    Amazing developer or investment opportunity located on the Westside, just minutes from I-10 and Chaffee Road. This property can be purchased as an individual parcel or combined with adjacent parcels for added potential. Photo shows adjacent parcels that are also for sale

    EDWINA BURCH KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

    840 Forgotten Way, Jacksonville, FL 32221
  • /33

    $195,000

    • 2 Beds
    • 2 Baths
    • 1,105 Sq Ft

    10150 Belle Rive Blvd Unit 102, Jacksonville, FL 32256

    Welcome to Lakecrest #102! This unit offers an open concept designed for comfort and style. The kitchen was recently updated with high end cabinets, granite countertops, customized sink and stainless steel appliances. Enjoy entertaining in your spacious family area that flows into the dining area or out on the oversized screened in balcony. The primary ensuite boasts a large walk in closet,

    TIMOTHY WHALEN COLDWELL BANKER VANGUARD REALTY

    10150 Belle Rive Blvd Unit 102, Jacksonville, FL 32256
  • /34

    $190,000

    • 2 Beds
    • 2.5 Baths
    • 1,159 Sq Ft

    9745 Touchton Rd Unit 526, Jacksonville, FL 32246

    Centrally located condo within 5 minutes to shopping and restaurants and 20 minutes from the beach. 24 hour gated security, high-end amenities and a 2 story townhouse-style condo with tons of natural light. Common areas, large screened-in balcony and half bath downstairs-both bedrooms with private bathrooms up. Assigned parking space. Water and trash included in HOA. Vacant and ready for move in!

    Allison Rodrigues BOLD CITY REAL ESTATE LLC

    9745 Touchton Rd Unit 526, Jacksonville, FL 32246
  • /21

    $155,900

    • 1 Bed
    • 1 Bath
    • 774 Sq Ft

    10435 Midtown Pkwy Unit 211, Jacksonville, FL 32246

    Beautiful 1BR/1BA condo in the gated community at Esplanade @ the St. Johns Town Center, putting shopping, dining, and entertainment just steps from your door in one of Jacksonville's premier retail destinations. This well-kept unit features an open layout with spacious living area, crown molding, built-in desk nook, and private balcony access. The kitchen offers granite countertops, abundant

    Matthew Stuckey UNITED REAL ESTATE GALLERY

    10435 Midtown Pkwy Unit 211, Jacksonville, FL 32246
  • /31

    $189,000

    • 2 Beds
    • 1 Bath
    • 800 Sq Ft

    7412 Jasper Ave, Jacksonville, FL 32211

    Welcome to 7412 Jasper Ave, a fully renovated 2-bedroom, 1-bath single-family home offering modern updates and an open-concept layout. This move-in-ready home features luxury vinyl plank flooring, recessed lighting, and a bright, neutral color palette throughout the main living areas. The updated kitchen includes white shaker cabinetry, sleek countertops, modern hardware, and opens seamlessly to

    Jannah Jordan KELLER WILLIAMS REALTY ATLANTIC PARTNERS

    7412 Jasper Ave, Jacksonville, FL 32211
  • /47

    $200,000

    • 2 Beds
    • 1 Bath
    • 1,014 Sq Ft

    2718 Ernest St, Jacksonville, FL 32205

    Around the corner from Riverside favorites like Carmine's, Sweet Theory, & Cool Moose, this craftsman style bungalow is filled with historic charm! Enjoy morning coffee on the covered front porch and barbecues on the back paver patio. Inside you're greeted by original hardwood floors, picture rail molding, and natural light pouring in through newer windows. The spacious kitchen--with already

    ANNA SAVITSKY ROOT REALTY LLC

    2718 Ernest St, Jacksonville, FL 32205
  • /13

    $160,000

    • 3 Beds
    • 1 Bath
    • 1,044 Sq Ft

    414 Willow Branch Ave, Jacksonville, FL 32254

    Investor opportunity with immediate income potential. This renovated 3-bedroom property is currently configured for **monthly room rentals**, generating a total of **$2,150 per month** (Room 1: $750, Room 2: $650, Room 3: $750). The home underwent major capital improvements in 2022, including **new kitchen cabinets, countertops, and appliances, updated flooring throughout, a new roof, upgraded

    LEANA HUNTER EMERALD REALTY PARTNERS CORP

    414 Willow Branch Ave, Jacksonville, FL 32254
  • /50

    $159,900

    • 2 Beds
    • 4 Baths
    • 1,285 Sq Ft

    8550 Touchton Rd Unit 1334, Jacksonville, FL 32216

    Panoramic view of the lake from this 3rd floor condo. Two bedrooms, 2 full baths plus a bonus loft. Resort ammenities include Clubhouse, pool, Fitness Center, gated, jogging path, Sauna, spa/hot tub, tennis courts, basketball court, barbecue area. Location is convenient to lots of shopping in the town center, restaurants, and much more. Garage, screened porch.

    Susan Kennedy COLDWELL BANKER VANGUARD REALTY

    8550 Touchton Rd Unit 1334, Jacksonville, FL 32216
  • /33

    $141,900

    • 3 Beds
    • 2 Baths
    • 1,156 Sq Ft

    9037 6th Ave, Jacksonville, FL 32208

    Charming updated 2 story home with 3 bedrooms/2 baths. Kitchen features new cabinets, fixtures and hard surface counters. Entire home has been freshly painted in a neutral palette, and has New LVP and New carpet, and New 6 panel doors. HVAC and Roof 2017. New septic (drainfield) in 2025. Need storage? The oversized 1-car garage is perfect for a car, and more. Convenient to The Jacksonville Zoo,

    ANDREA POWERS POWERS REAL ESTATE SOLUTIONS LLC

    9037 6th Ave, Jacksonville, FL 32208
  • /32

    $140,000

    • 3 Beds
    • 1 Bath
    • 1,038 Sq Ft

    2667 Amy St, Jacksonville, FL 32254

    This property is part of a portfolio and may be sold individually or as part of a package. Inviting and move-in ready, this beautifully updated 3-bedroom, 1-bath home blends classic character with modern upgrades. Built in 1928, the home features a recently remodeled interior with fresh finishes throughout, offering a clean and comfortable living space from day one. Major systems have been taken

    MATIAS MATTSSON FREEDOM REALTY GROUP LLC

    2667 Amy St, Jacksonville, FL 32254
  • /6

    $135,000

    • Land
    • 2.87 Acres
    • $47,038 per Acre

    0 Gracy Rd Unit 2132627, Jacksonville, FL 32221

    Discover an exceptional piece of land in fast-growing Jacksonville, FL, a rare 2.87-acre parcel ideally situated off Gracy Rd, offering outstanding potential. This expansive property provides a versatile canvas nestled in a desirable area with convenient access to major roadways, shopping, dining, schools, and employment centers. Whether you're a builder looking to expand your portfolio, an

    KERI CARPENTER REAL BROKER LLC

    0 Gracy Rd Unit 2132627, Jacksonville, FL 32221
  • /14

    $115,000

    • 3 Beds
    • 2 Baths
    • 1,160 Sq Ft

    236 E 46th St, Jacksonville, FL 32208

    Cute bungalow, split family floor plan, does have owner's suite. Great for investor. Needs updating and some elbow grease.

    Alannah Daly THIRD AND MAIN REALTY

    236 E 46th St, Jacksonville, FL 32208

Showing Results 161 - 200, Page 5 of 18

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