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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 home near Duncan U. Fletcher High School.

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Sold

Sold·Closed Jul 13, 2026·126 days on market·Recent sales in Pablo Beach North·Pablo Beach North

636 8th Avenue N

Jacksonville Beach, FL 32250

$1,315,000sold priceListed at $1,395,000 · 94.3% of asking$431/sqftMLS# 2129286
4
Beds
3.5
Baths
3,048
Sq Ft
2022
Built
2
Garage
No
Pool

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

FEMA Zone XNo HOA5,227 sqft lotSingle Family Residence2 stories

About this home

Pablo Beach North

Thoughtfully designed and impeccably finished, this beautifully crafted 4-bedroom, 3.5-bath residence is located in the heart of Jacksonville Beach. Offering 3,048 square feet of refined living space, the home blends modern coastal style with high-end finishes and exceptional functionality. Situated on a corner lot, the property offers a desirable coastal setting with added flexibility. The open-concept kitchen, dining, and family room create an ideal setting for both family living and entertaining. The kitchen features custom cabinetry, Quartz countertops, a large food-prep island with Quartz sink, and a full suite of KitchenAid appliances including a 36'' refrigerator, 36'' gas range, dishwasher, microwave, and a custom exterior-vented hood. The kitchen is further enhanced with a double reverse osmosis water filtration system.

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$7,284
Property taxesest. at asking price, Duval County$2,147
Estimated total, before insurance$9,431/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,023/yr · $1,502/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,315,000
$263,000
Loan Term
Monthly Payment
$7,284
Principal & Interest: $7,284
Property taxes (est.): $2,147
Insurance (est.): $877
Estimated Total Monthly
$10,308
*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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Metal, Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,704 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.

Cost to own

Taxes & assessment

Last sold: $1,215,000 in March 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$309,538$45,283—
2025$1,019,004$968,282—
2024$247,113$43,299—
2024$1,009,140$959,140—
2023$242,222$40,582—
2023$754,364$754,364—
2022$212,982$37,944—
2022$242,500$242,500—
2021$150,629$35,383—
2021$235,412$235,412—
2020$137,048$34,204—
2020$228,941$84,345—

2025 property taxes (current owner): $18,023/yr

Estimated taxes if purchased at asking price: ~$25,800/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.

History

Price & status history

  • Jul 14, 2026Closed$1,395,000
  • Jul 11, 2026Pending$1,395,000
  • Feb 9, 2026Listed$1,395,000

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 $400/sq ft; this home is listed at $458/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1230 12th Street N, Jacksonville Beach, FL 32250Listed by BACHMANN HOMES REALTY, LLCOct 2026$1,230,000$4874/32,525140.4
1602 7th Street N, Jacksonville Beach, FL 32250Listed by RIVER CITY REALTYOct 2026$1,075,000$3434/2.53,1371980.5
1103 18th Avenue N, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$1,125,000$4004/42,81430.7
2280 Oak Forest Drive, Jacksonville Beach, FL 32250Listed by WATSON REALTY CORPSep 2026$985,000$2784/3.53,544150.9
1911 Tanglewood Road, Jacksonville Beach, FL 32250Listed by HERRON REAL ESTATE LLCAug 2026$945,000$3414/32,77030.9
26 20th Avenue N, Jacksonville Beach, FL 32250Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$3,100,000$1,0894/4.52,847320.9

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$1,395,000
Price / Sq Ft$458
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,048
Acres0.12 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address636 8th Avenue N, Jacksonville Beach, FL 32250
Area213-Jacksonville Beach-NW
SubdivisionPablo Beach North
CityJacksonville Beach
CountyDuval
StateFL
Zip Code32250
Lot Size5,227.2 sq ft
Lot Dimensions50x125
Parcel Number1743800000

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Off Street

Interior

Interior FeaturesBuilt-in Features, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesOther, Dishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
# of Stories2
LevelsTwo
LaundryLower Level, Upper Level

Exterior

Exterior FeaturesBalcony, Outdoor Shower
Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Porch, Rear Porch
FencingBack Yard, Privacy
RoofMetal, Shingle
ConstructionFiber Cement, Frame
Other StructuresGreenhouse, Outdoor Kitchen

Additional Information

Date ListedFebruary 9, 2026
Days on Market126
Tax Amount$18,023.3
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KST GROUP LLC

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

This home sold on Jul 13, 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.

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20+ years · 500+ closings · NE Florida

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