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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Pablo Beach North, Jacksonville Beach — a new construction home in Jacksonville.

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Active

Active·265 days on market·Pablo Beach North

1318 1st Street N

Jacksonville Beach, FL 32250

$2,299,000$575/sqftEst. $12,734/moMLS# 2126376
↓ $276,000 below original list
4
Beds
4.5
Baths
3,995
Sq Ft
2025
Built
2
Garage
No
Pool

7 more homes for sale in Pablo Beach North →Search Pablo Beach North on the map

FEMA Zone XNo HOATownhouse3 storiesNew construction

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About this home

Pablo Beach North

Enjoy coastal luxury at its finest in this end-unit beachfront residence offering stunning ocean views and approx.. 4,000 sq. ft. of impeccable designed living space. Flooded w/natural light & endless water vistas, this exceptional home delivers the perfect blend of elegance, comfort, & seaside living. 4 bds & 5 baths, the residence showcases high-end finishes throughout, including refined materials & designer details, open-concept floor plan is ideal for both everyday living & entertaining, with expansive living and dining areas that flow seamlessly toward the ocean. Enjoy breathtaking views from private balconies on the 2nd & 3rd floors, perfect for morning coffee or evening cocktails or simply listening to the waves. As an end-unit, with a large, garage, this property offers enhanced privacy & additional windows. Whether used as a primary residence, vacation retreat, or luxury investment, this extraordinary beachfront home delivers an unmatched coastal lifestyle.

Next steps in Pablo Beach North

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$12,734
Property taxesest. at asking price, Duval County$3,754
Estimated total, before insurance$16,488/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$2,299,000
$459,800
Loan Term
Monthly Payment
$12,734
Principal & Interest: $12,734
Property taxes (est.): $3,754
Insurance (est.): $1,533
Estimated Total Monthly
$18,021
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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 2025)

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

Solar potential: ~1,648 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 26, 2026Price change$2,299,000−$276,000
  • Jan 22, 2026Listed$2,575,000

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

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 $568/sq ft; this home is listed at $575/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1312 1st Street N, Jacksonville Beach, FL 32250Listed by WATSON REALTY CORPSep 2026$2,270,000$5684/4.53,9962000
807 1st Street N 402, Jacksonville Beach, FL 32250Listed by COMPASS FLORIDA LLCSep 2026$2,950,000$8064/3.53,6601160.3
1221 1st Street S 12B, Jacksonville Beach, FL 32250Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$1,615,000$5544/3.52,9131291.7
1221 S 1st Street 10B, Jacksonville Beach, FL 32250Listed by RE/MAX SPECIALISTS PVFeb 2026$1,500,000$5154/3.52,913861.7
50 14th Avenue S 701, Jacksonville Beach, FL 32250Listed by PONTE VEDRA CLUB REALTY, INC.Aug 2026$4,850,000$1,0394/4.54,67081.8
3360 Lighthouse Point Lane, Jacksonville, FL 32250Listed by DOUGLAS ELLIMAN FLORIDAAug 2026$850,000$2753/43,0862442.2

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

Price$2,299,000
Price / Sq Ft$575
Bedrooms4
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage3,995
Year Built2025
TypeResidential
Sub-TypeTownhouse
StyleContemporary
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address1318 1st Street N, Jacksonville Beach, FL 32250
Area211-Jacksonville Beach-NE
SubdivisionPablo Beach North
CityJacksonville Beach
CountyDuval
StateFL
Zip Code32250
Parcel Number1746460060

Amenities

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Off Street
ViewBeach, Ocean

Interior

Interior FeaturesButler Pantry, Ceiling Fan(s), In-Law Floorplan, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
# of Stories3
LevelsThree Or More
LaundryLower Level, Upper Level

Exterior

Exterior FeaturesBalcony
Patio / PorchFront Porch
RoofShingle
Road FrontageAlley, City Street

Additional Information

Date ListedJanuary 22, 2026
Days on Market235
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: WATSON REALTY CORP

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.

The neighborhood

About Pablo Beach North

Pablo Beach North is a neighborhood in Jacksonville Beach, FL (Duval County), ZIP 32250.

View all Pablo Beach North homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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