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This home is in Pablo Beach South, Jacksonville Beach.

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Active

Active·445 days on market·Pablo Beach South

231 10th Avenue S

Jacksonville Beach, FL 32250

$1,050,000$497/sqftEst. $5,398/moMLS# 2092357

Beds

Baths

2,114

Sq Ft

2017

Built

Garage

Pool

About this home

Pablo Beach South

Ocean View Townhouse Just Steps from the Beach - No HOA! Welcome to coastal living at its finest! This stunning 2-story townhouse is ideally located east of A1A in Jacksonville Beach, just 2 blocks from the Atlantic Ocean and steps away from Starbucks. Enjoy ocean breezes from your home and walk to the best restaurants and nightlife the beach has to offer. Inside, you'll find a bright and open-concept layout featuring 3 spacious bedrooms and 2.5 beautifully updated bathrooms. The kitchen has been modernized with stylish finishes, perfect for entertaining or relaxing after a day at the beach. Tile flooring runs throughout the main living areas, while cozy carpet adds comfort to the bedrooms. Step outside to your private, fenced backyard, ideal for pets, grilling, or simply soaking up the ocean breeze. You'll also enjoy ample parking with a 2-car garage and no HOA to restrict your lifestyle or add extra fees. This property also offers short-term rental availability with financials

Cost to own

Mortgage calculator

Home Price

$1,050,000

Down Payment: 20%

$210,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,398

Principal & Interest: $5,398

Property taxes (est.): $1,715

Insurance (est.): $700

Estimated Total Monthly

$7,813

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$5,398

Property taxesest. at asking price, Duval County$1,714

Estimated total, before insurance$7,113/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$12,164/yr · $1,014/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• 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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $980,000 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$770,460	$720,596	—
2024	$655,088	$655,088	—
2023	$678,361	$678,361	—
2022	$635,582	$564,600	—
2021	$546,070	$513,273	—
2020	$466,612	$466,612	—

2024 property taxes (current owner): $12,164/yr

Estimated taxes if purchased at asking price: ~$20,600/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,699 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

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jul 29, 2026Price change$1,050,000−$50,000
Jul 13, 2026Price change$1,100,000−$50,000
Jun 9, 2025Listed$1,150,000

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

Features

Price$1,050,000

Price / Sq Ft$497

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,114

Acres0.07 acres

Year Built2017

TypeResidential

Sub-TypeTownhouse

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address231 10th Avenue S, Jacksonville Beach, FL 32250

Area212-Jacksonville Beach-SE

SubdivisionPablo Beach South

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size3,049.2 sq ft

Parcel Number1761340010

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories2

LevelsTwo

LaundryUpper Level