This home is in Jacksonville Beach.

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Pending

Pending·14 days on market

320 13th Avenue

Jacksonville Beach, FL 32250

$400,000$360/sqftEst. $2,129/moMLS# 2135851

Beds

Baths

1,110

Sq Ft

1981

Built

—

Garage

Pool

About this home

Jacksonville Beach

NO HOA OR CDD FEES!!!Just blocks to the beach! Charming coastal townhome. Live the beach lifestyle in the two-story townhome located just four blocks from the ocean! This Inviting 2 bedroom, 1.5 bath home offers a perfect blend of comfort, convenience and coastal living. Private fenced in back yard to enjoy your summer evenings listening to the ocean and enjoy the summer breeze. Master has a front porch deck. Located in the heart of Jacksonville beach community you are just minutes from restaurant, schools, shopping entertainment w beach festivals, the surf and the sand. Wether you're looking for a primary home or an investment opportunity. motivated seller.

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,021

Principal & Interest: $2,021

Est. Taxes & Insurance: $505

Estimated Total Monthly

$2,526

*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$2,129

Property taxesest. at asking price, Duval County$653

Estimated total, before insurance$2,782/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	$277,915	$227,193	—
2024	$279,278	$229,278	—
2023	$289,622	$239,622	—
2022	$280,221	$196,612	—
2021	$242,611	$189,415	—
2020	$236,603	$186,103	—

2025 property taxes (current owner): $4,354/yr

Estimated taxes if purchased at asking price: ~$7,800/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1981)

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

Solar potential: ~1,823 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.