Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville Beach — a home near Duncan U. Fletcher High School.

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Active

Active·182 days on market

129 11th Avenue N B

Jacksonville Beach, FL 32250

$834,000$426/sqftEst. $4,288/moMLS# 2131771

Beds

Baths

1,960

Sq Ft

2007

Built

Garage

Pool

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!

Cost to own

Mortgage calculator

Home Price

$834,000

Down Payment: 20%

$166,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,288

Principal & Interest: $4,288

Property taxes (est.): $1,362

Insurance (est.): $556

Estimated Total Monthly

$6,205

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$4,288

Property taxesest. at asking price, Duval County$1,362

HOAbilled monthly$50

Estimated total, before insurance$5,699/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,246/yr · $1,104/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).

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.

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 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

Feb 27, 2026Listed$834,000

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

Features

Price$834,000

Price / Sq Ft$426

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,960

Total Structure Area2,191 sq ft

Acres0.04 acres

Year Built2007

TypeResidential

Sub-TypeTownhouse

StyleSpanish

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementarySan Pablo

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address129 11th Avenue N B, Jacksonville Beach, FL 32250

Area211-Jacksonville Beach-NE

SubdivisionFlagler Tract

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size1,742.4 sq ft

Parcel Number1739710040

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

ViewOcean

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Stone, Tile, Vinyl

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink

SecurityFire Sprinkler System, Security System Owned, Smoke Detector(s)