This home is in Pablo Beach South, Jacksonville Beach.

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Active Under Contract

Active Under Contract·107 days on market·Pablo Beach South

128 S 10th Street

Jacksonville Beach, FL 32250

$509,900$225/sqftEst. $2,714/moMLS# 2137415

Beds

Baths

2,266

Sq Ft

2018

Built

Garage

Pool

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..

Cost to own

Mortgage calculator

Home Price

$509,900

Down Payment: 20%

$101,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,576

Principal & Interest: $2,576

Est. Taxes & Insurance: $644

Estimated Total Monthly

$3,220

*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$2,714

Property taxesest. at asking price, Duval County$833

Estimated total, before insurance$3,546/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	$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: ~$10,000/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 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 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 30, 2026Listed$509,900

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

Features

Price$509,900

Price / Sq Ft$225

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,266

Year Built2018

TypeResidential

Sub-TypeTownhouse

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementarySeabreeze

MiddleFletcher Jr High

HighDuncan Fletcher

Community Information

Address128 S 10th Street, Jacksonville Beach, FL 32250

Area214-Jacksonville Beach-SW

SubdivisionPablo Beach South

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Parcel Number1773190010

ZoningResidential

Amenities

UtilitiesElectricity Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)