This home is in Jacksonville Beach — a home near Duncan U. Fletcher High School.
Pending·229 days on market
129 11th Avenue N B
Jacksonville Beach, FL 32250
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville Beach
Ocean views just one block from the beach! Rare Jacksonville Beach opportunity offering easy, low-maintenance coastal living in a beautifully updated three-story townhome. Enjoy ocean views from your private balcony, a two-car garage, two brand-new AC units, renovated kitchen and baths, and quality flooring and tile throughout. Built-in provisions for a future private elevator add long-term convenience. Very low HOA, $50 monthly, plus the seller will pay the $2,500 one-time HOA initiation fee. Move-in ready and close to the beach, dining, shopping, and entertainment. Perfect as a primary residence or low-maintenance beach retreat. MOTIVATED SELLER!
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: material not specified — year not disclosed (home built 2007)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer · Private well (public record)
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,792 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 homeAs 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:28 AM, sunset 6:55 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $718,130 | $718,130 | — |
| 2024 | $764,966 | $321,370 | ▲ $110,168 |
| 2023 | $642,229 | $298,510 | — |
| 2022 | $583,350 | $288,360 | — |
| 2021 | $330,672 | $278,505 | — |
| 2020 | $323,970 | $273,970 | — |
2025 property taxes (current owner): $13,246/yr
Estimated taxes if purchased at asking price: ~$16,300/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
- Sep 30, 2026Pending$834,000
- Feb 27, 2026Listed$834,000
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 $446/sq ft; this home is listed at $426/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 917 1st Street N 1001, Jacksonville Beach, FL 32250Listed by WATSON REALTY CORP | Oct 2026 | $1,499,000 | $661 | 3/3 | 2,269 | 1 | 0.2 |
| 932 1st Street N 203, Jacksonville Beach, FL 32250Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $950,000 | $386 | 3/3.5 | 2,463 | 50 | 0.2 |
| 932 1st Street N 701, Jacksonville Beach, FL 32250Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jun 2026 | $1,222,500 | $488 | 3/3.5 | 2,505 | 51 | 0.2 |
| 1412 1st Street N 102, Jacksonville Beach, FL 32250Listed by UNITED REAL ESTATE GALLERY | Jun 2026 | $669,000 | $446 | 3/2 | 1,500 | 84 | 0.2 |
| 404 9th Avenue N, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY | Jun 2026 | $611,000 | $319 | 4/3.5 | 1,915 | 81 | 0.2 |
| 525 3rd Street N 315, Jacksonville Beach, FL 32250Listed by REAL BROKER LLC | Jun 2026 | $465,000 | $339 | 2/2 | 1,373 | 51 | 0.4 |
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
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
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