This home is in Pablo Beach South, Jacksonville Beach.

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Active

Active·106 days on market·Pablo Beach South

1306 1st Street S

Jacksonville Beach, FL 32250

$799,990$660/sqftEst. $4,258/moMLS# 2137477

Beds

Baths

1,213

Sq Ft

2019

Built

Garage

Pool

About this home

Pablo Beach South

This Oceanview duplex building in desirable Jacksonville Beach was built in 2019 and is an amazing investment opportunity. There are no HOA or CDD fees and no minimum rental restrictions. Live in this side of the duplex or rent it short-term or long-term. The 3 story townhome is conveniently across the street from the Atlantic Ocean and a short walk or bike ride to Huguenot Park, shopping, restaurants, and nightlife. The townhome features an oversized 1 car garage, 3 bedrooms, 2.5 bathrooms, and a fenced in paver patio. This side of the duplex offers incredible ocean views from both the 2nd and 3rd Floors, white shaker cabinets, quartz countertops, stainless steel appliances, laminate flooring throughout, custom closet built-ins, tankless water heaters, reverse osmosis, water filtration system, and brand new dehumidifier. Soak in the ocean air from the 2nd floor balcony. The first floor is concrete block construction. This townhome is a unique opportunity and a must see!

Cost to own

Mortgage calculator

Home Price

$799,990

Down Payment: 20%

$159,998

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,041

Principal & Interest: $4,041

Est. Taxes & Insurance: $1,010

Estimated Total Monthly

$5,051

*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$4,258

Property taxesest. at asking price, Duval County$1,306

Estimated total, before insurance$5,564/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	$680,789	$680,789	—
2024	$682,116	$668,241	—
2023	$613,392	$607,492	—
2022	$552,266	$552,266	—
2021	$498,913	$498,913	—
2020	$396,054	$346,054	—

2024 property taxes (current owner): $12,497/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,733 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$799,990

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

Features

Price$799,990

Price / Sq Ft$660

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,213

Acres0.03 acres

Year Built2019

TypeResidential

Sub-TypeTownhouse

StyleHalf Duplex

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryJacksonville Beach

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address1306 1st Street S, Jacksonville Beach, FL 32250

Area212-Jacksonville Beach-SE

SubdivisionPablo Beach South

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size1,306.8 sq ft

Lot Dimensions24' x 54'

Parcel Number1762510490

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage

ViewBeach, Ocean, Water

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Washer/Dryer Stacked

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringLaminate, Tile

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup

SecurityFirewall(s), Smoke Detector(s)