This home is in Pablo Beach South, Jacksonville Beach.

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Active

Active·104 days on market·Pablo Beach South

209 7th Avenue S

Jacksonville Beach, FL 32250

$1,075,000$459/sqftEst. $5,722/moMLS# 2138050

Beds

Baths

2,344

Sq Ft

2014

Built

Garage

Yes

Pool

About this home

Pablo Beach South

Rare opportunity to own east of A1A in Jacksonville Beach just blocks from the ocean. This 4-bedroom, 3.5-bath home offers walkable beach access, no HOA, and thoughtfully designed indoor and outdoor living spaces. Recent upgrades provide peace of mind and modern appeal, including two HVAC systems (2022 & 2026), fresh interior paint (2024), and all new kitchen appliances (2025). The primary suite is a true sanctuary, featuring custom built-ins in both the bedroom and walk-in closet for elevated style and smart storage. Screened balconies on the second and third floors invite coastal breezes, with a peek of the ocean from the top level. Step outside to your private fenced backyard oasis, complete with an above-ground spa pool, spacious wooden deck, and additional storage below. An outdoor shower and separate storage shed add convenience after long days at the beach.

Cost to own

Mortgage calculator

Home Price

$1,075,000

Down Payment: 20%

$215,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,430

Principal & Interest: $5,430

Est. Taxes & Insurance: $1,358

Estimated Total Monthly

$6,788

*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$5,722

Property taxesest. at asking price, Duval County$1,755

Estimated total, before insurance$7,477/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	$941,830	$891,108	—
2024	$913,750	$644,099	▲ $219,651
2023	$719,453	$645,057	—
2022	$674,813	$624,813	—
2021	$578,662	$452,682	—
2020	$495,742	$445,742	—

2025 property taxes (current owner): $16,600/yr

Estimated taxes if purchased at asking price: ~$21,100/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 2014)

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

Solar potential: ~1,800 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

Jul 15, 2026Price change$1,075,000−$10,000
Apr 2, 2026Listed$1,085,000

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

Features

Price$1,075,000

Price / Sq Ft$459

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,344

Acres0.06 acres

Year Built2014

TypeResidential

Sub-TypeTownhouse

StatusActive

# of Garages1

Has PoolYes

Pool FeaturesAbove Ground, Heated, Pool Sweep

Is WaterfrontNo

School Information

ElementarySeabreeze

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address209 7th Avenue S, Jacksonville Beach, FL 32250

Area212-Jacksonville Beach-SE

SubdivisionPablo Beach South

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size2,613.6 sq ft

Parcel Number1760400020

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage

ViewBeach, Ocean

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Water Heater, Ice Maker, Induction Cooktop, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Spa FeaturesHeated, Above Ground, Private