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This home is in Jacksonville Beach.

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Active

Active·2 days on market

1091 13th Street N

Jacksonville Beach, FL 32250

$770,000$369/sqftEst. $3,959/moMLS# 2132452

Beds

Baths

2,086

Sq Ft

1991

Built

Garage

Pool

About this home

Jacksonville Beach

Welcome to Jacksonville Beach! This spacious 4 bedroom, 2 bathroom home offers the seamless blend between coastal living and southern charm. With a total of 3 huge porches, you will be able to enjoy the Eastern morning sun in your backyard oasis and then the Western afternoon sky from the front porch swing or from the private primary suite balcony. You will love eating al fresco under the lush, mature backyard trees and rest easy as you enjoy all of the owner updates including a new HVAC, backyard landscaping and grading, outdoor shower, kitchen appliances, bathroom fixtures, and much more. Natural light floods the open concept common areas while the generously sized bedrooms provide privacy and comfort for every member of the house. Located within a short bike ride to the beachfront, shopping, and dining; this home offers all the highlights and joys of coastal Florida living.

Cost to own

Mortgage calculator

Home Price

$770,000

Down Payment: 20%

$154,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,959

Principal & Interest: $3,959

Property taxes (est.): $1,257

Insurance (est.): $513

Estimated Total Monthly

$5,729

*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$3,959

Property taxesest. at asking price, Duval County$1,257

Estimated total, before insurance$5,216/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,273/yr · $523/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	$544,206	$331,218	—
2024	$519,860	$321,176	▲ $65,504
2023	$463,044	$310,366	—
2022	$434,918	$299,870	—
2021	$343,101	$289,680	—
2020	$335,718	$284,991	—

2025 property taxes (current owner): $6,273/yr

Estimated taxes if purchased at asking price: ~$15,100/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: Shingle — year not disclosed (home built 1991)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,682 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

Aug 24, 2026Price change$770,000−$25,000
Jul 27, 2026Price change$795,000−$4,000
Mar 3, 2026Listed$799,000

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

Features

Price$770,000

Price / Sq Ft$369

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,086

Acres0.12 acres

Year Built1991

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

Community Information

Address1091 13th Street N, Jacksonville Beach, FL 32250

Area213-Jacksonville Beach-NW

SubdivisionJacksonville Beach

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size5,227.2 sq ft

Parcel Number1791740000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic, Shared Well

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Other

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Washer

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Wood

# of Stories2

LevelsTwo

LaundryLower Level

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)