This home is in Jacksonville Beach.

1 / 50

Active

Active·33 days on market

342 4th Street N

Jacksonville Beach, FL 32250

$698,000$372/sqftEst. $3,715/moMLS# 2072884

Beds

Baths

1,876

Sq Ft

2019

Built

Garage

Pool

About this home

Jacksonville Beach

Coastal 3 Bedroom Townhome | Jacksonville Beach | Primary Residence, Second Home, or Airbnb Investment. Long Term Rental offered furnished or unfurnished. The best real estate decisions are the ones that pay you back. This stunning 3 bedroom, 3.5 bathroom townhome in Jacksonville Beach is not just a place to live. It is a performing asset in one of Northeast Florida's most in-demand short term rental markets, wrapped inside a beautifully designed coastal home that guests will book on repeat and owners will never want to leave. Less than five minutes to the sand. Walking distance to Jacksonville Beach's most popular restaurants, cafés, boutiques, and entertainment. A location that sells itself every single time a traveler opens their phone and searches for a beach getaway on the First Coast.

Cost to own

Mortgage calculator

Home Price

$698,000

Down Payment: 20%

$139,600

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,548

Principal & Interest: $3,548

Est. Taxes & Insurance: $887

Estimated Total Monthly

$4,435

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$3,715

Property taxesest. at asking price, Duval County$1,140

Estimated total, before insurance$4,855/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$470,803	$470,803	—
2024	$494,739	$458,466	—
2023	$460,604	$416,788	—
2022	$434,996	$378,899	—
2021	$344,454	$344,454	—
2020	$335,406	$335,406	—

2024 property taxes (current owner): $8,743/yr

Estimated taxes if purchased at asking price: ~$13,700/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 2019)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,816 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jun 13, 2026Listed$698,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$698,000

Price / Sq Ft$372

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage1,876

Total Structure Area2,280 sq ft

Acres0.07 acres

Year Built2019

TypeResidential

Sub-TypeTownhouse

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Direction FacesEast

Community Information

Address342 4th Street N, Jacksonville Beach, FL 32250

Area213-Jacksonville Beach-NW

SubdivisionAtlantic Park

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size3,049.2 sq ft

Parcel Number1738330030

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories3

LevelsThree Or More

LaundryUpper Level