This home is in Jacksonville Beach.

1 / 28

Active

Active·134 days on market

1091 13th Street N

Jacksonville Beach, FL 32250

$799,000$383/sqftEst. $4,253/moMLS# 2132452

Beds

Baths

2,086

Sq Ft

1991

Built

Garage

Pool

About this home

Jacksonville Beach

Welcome to your perfect Jacksonville Beach paradise! 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

$799,000

Down Payment: 20%

$159,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,036

Principal & Interest: $4,036

Est. Taxes & Insurance: $1,009

Estimated Total Monthly

$5,045

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$4,253

Property taxesest. at asking price, Duval County$1,305

Estimated total, before insurance$5,557/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

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: ~$15,700/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.

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: 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

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

Price & status history

Mar 3, 2026Listed$799,000

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

Features

Price$799,000

Price / Sq Ft$383

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)