This home is in Jacksonville Beach.

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Active

Active·160 days on market

840 7th Avenue S

Jacksonville Beach, FL 32250

$825,000$412/sqftEst. $4,391/moMLS# 2129053

Beds

Baths

2,004

Sq Ft

1986

Built

—

Garage

Pool

About this home

Jacksonville Beach

Beautifully renovated duplex just seven blocks from Jacksonville Beach! This property features 4 bedrooms and 4 bathrooms across two updated units, each with modern kitchens, new appliances, renovated bathrooms, and private balconies. Enjoy a fully fenced backyard, new roof (2023), washer/dryer, and no HOA or CDD fees. Perfectly located near shopping, dining, and the beach. ONE UNIT IS ALREADY FULLY FURNISHED FOR A SHORT TERM RENTAL. ALL ITEMS CONVEY WITH THAT UNIT.

Cost to own

Mortgage calculator

Home Price

$825,000

Down Payment: 20%

$165,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,193

Principal & Interest: $4,193

Est. Taxes & Insurance: $1,048

Estimated Total Monthly

$5,242

*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$4,391

Property taxesest. at asking price, Duval County$1,347

Estimated total, before insurance$5,738/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

Last sold: $775,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$676,934	$536,821	—
2024	$686,260	$575,353	—
2023	$482,112	$428,106	—
2022	$393,660	$389,188	—
2021	$353,808	$353,808	—
2020	$277,992	$185,871	—

2025 property taxes (current owner): $10,065/yr

Estimated taxes if purchased at asking price: ~$16,200/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 — 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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · FL0020231 - City of Jacksonville Beach · Public water (record)

County records show this parcel on central sewer served by FL0020231 - City of Jacksonville Beach — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,496 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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