This home is in Jacksonville Beach — a home near Duncan U. Fletcher High School.
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Sold·Closed Feb 20, 2026·80 days on market·Recent sales in Jacksonville Beach
922 12th Street N
Jacksonville Beach, FL 32250
About this home
Jacksonville Beach
Feeling priced out of Jacksonville's beach cities? Sensing that first-home prices at the Beach aren't going to go down? This is the solution. This home - sitting in the core of Jax Beach and 12 blocks to the Ocean - comes to the market for the first time in 35 years. Built in 1960 with concrete block construction, this home has weathered dozens of hurricanes and tropical storms. Mature trees provide a peaceful canopy to both the front and back yards. It now sits as a blank canvas for the buyer who's got the energy to pour some love into the overdue fix-up and live at the Beach. We figure with a reno loan to truly update it, you're living at the Beach in a home that truly sparkles for under $500k! Come see!
Next steps in Jacksonville Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1960)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,582 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 homeThis 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
9th Ave Nabout 0.8 mi · 29 parking spaces
Closest park or preserve
Dutton Island Preserveabout 3 mi · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 4 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Cradle Creek Preserve Kayak Launch (Long Portage!)about 1 mi · Cradle Creek - San Pablo Creek
Closest youth league fields
Gonzales Parkabout 0.5 mi · Soccer
Closest grocery store
Publixabout 0.9 mi · 408 Beach Blvd, Jacksonville Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $289,748 | $26,582 | — |
| 2024 | $318,481 | $25,126 | — |
| 2023 | $298,318 | $25,000 | — |
| 2022 | $271,180 | $25,000 | — |
| 2021 | $199,721 | $25,000 | — |
| 2020 | $197,345 | $25,000 | — |
2024 property taxes (current owner): $625/yr
Estimated taxes if purchased at asking price: ~$7,700/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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $435/sq ft; this home is listed at $430/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 909 13th Street N, Jacksonville Beach, FL 32250Listed by MASH REALTY SERVICES, LLC | Apr 2026 | $435,000 | $435 | 3/1 | 1,000 | 1 | 0 |
| 1052 Penman Road, Jacksonville Beach, FL 32250Listed by FLUID REALTY, LLC. | Oct 2026 | $448,500 | $356 | 3/2 | 1,260 | 1 | 0.2 |
| 909 7th Avenue N, Jacksonville Beach, FL 32250Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $490,000 | $495 | 2/1 | 990 | 1 | 0.2 |
| 1203 13th Avenue N, Jacksonville Beach, FL 32250Listed by NAVY TO NAVY HOMES LLC | Sep 2026 | $435,000 | $432 | 3/1.5 | 1,008 | 2 | 0.3 |
| 922 7th Avenue N, Jacksonville Beach, FL 32250Listed by 1 REALTY CORP | Jul 2026 | $529,000 | $450 | 3/2 | 1,175 | 11 | 0.3 |
| 16 San Pablo Circle N, Jacksonville Beach, FL 32250Listed by MARZUCCO REAL ESTATE | Jul 2026 | $549,000 | $427 | 4/2 | 1,286 | 5 | 0.3 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Sold by: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
This home sold on Feb 20, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines