This home is in Pablo Beach South, Jacksonville Beach — a home near Duncan U. Fletcher High School.
Sold·Closed Jul 17, 2026·109 days on market·Recent sales in Pablo Beach South·Pablo Beach South
128 S 10th Street
Jacksonville Beach, FL 32250
27 more homes for sale in Pablo Beach South →Search Pablo Beach South on the map
About this home
Pablo Beach South
[RECENT RENOVATIONS, MARCH 2026] [Seller Offering $5k towards Buyer CC w/ an accepted list price offer!] Welcome home to this beautifully maintained, like-new townhome built in 2018, featuring stylish updates throughout. The 1st floor offers a private bedroom and a full bathroom - perfect for guests, a home office, or a quiet retreat. Upstairs on the 2nd level, you'll find an ideal space for entertaining, complete with an open-concept kitchen, dining area, spacious living room & a convenient half bath. The kitchen is a standout, showcasing stainless steel appliances, crisp white cabinetry, granite countertops & a large pantry for ample storage. Step out from the living room onto the 2nd floor balcony - perfect for enjoying your morning coffee or unwinding with a glass of wine in the evening. The 3rd floor features 2 additional bedrooms, each with access to its own full bathroom. One bathroom includes a walk-in shower, while the other offers a tub--providing flexibility and..
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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.
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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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,797 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $407,295 | $407,295 | — |
| 2024 | $507,137 | $398,943 | ▲ $129,697 |
| 2023 | $390,597 | $362,676 | — |
| 2022 | $329,706 | $329,706 | — |
| 2021 | $301,546 | $301,546 | — |
| 2020 | $284,570 | $284,570 | — |
Estimated taxes if purchased at asking price: ~$9,500/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
- Jul 17, 2026Closed$509,900
- Mar 30, 2026Listed$509,900
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 $314/sq ft; this home is listed at $225/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 124 S 10th Street, Jacksonville Beach, FL 32250Listed by JWB REALTY LLC | Jul 2026 | $525,000 | $204 | 5/3.5 | 2,574 | 72 | 0 |
| 921 2nd Avenue S, Jacksonville Beach, FL 32250Listed by RE/MAX SPECIALISTS | Jun 2026 | $655,000 | $309 | 4/2.5 | 2,117 | 54 | 0 |
| 408 8th Street S, Jacksonville Beach, FL 32250Listed by JWB REALTY LLC | Jun 2026 | $525,000 | $242 | 4/3.5 | 2,166 | 89 | 0.2 |
| 1003 N 1st Avenue, Jacksonville Beach, FL 32250Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $645,000 | $314 | 4/3.5 | 2,051 | 0 | 0.3 |
| 12 N Beach Way, Jacksonville Beach, FL 32250Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $651,000 | $317 | 4/3.5 | 2,051 | 199 | 0.3 |
| 1035 1st Avenue N, Jacksonville Beach, FL 32250Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $571,000 | $325 | 3/3.5 | 1,756 | 0 | 0.3 |
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: JWB REALTY LLC
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.
The neighborhood
About Pablo Beach South
Pablo Beach South is a neighborhood in Jacksonville Beach, FL (Duval County), ZIP 32250.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 17, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines