This home is in Jacksonville Beach.
Active·95 days on market
515 3rd Avenue N
Jacksonville Beach, FL 32250
About this home
Jacksonville Beach
✨ Coastal-Chic + Adorable only 5 blocks to the Sand! Welcome to the cutest little beach cottage just steps to the beach with a huge backyard -- and truly, don't wait on this one. Homes in this terrific beach location rarely come wrapped in this much charm. This delightful 2BR/1BA blends beach-chic style with thoughtful updates, including a beautifully updated kitchen with stainless appliances, glass backsplash, light and bright, completed just two years ago. The Norwegian-brick exterior sets the tone, while inside you'll find light, airy spaces, cozy fireplace, and an oversized front room that easily lives as a true Florida room -- fully heated and cooled and perfect for relaxing or entertaining or office, Paver walkways lead you to the front door, and the magic continues out back with a large private fenced yard, complete with a gazebo, paver patio, fire pit, and plenty of room to enjoy the Florida lifestyle. *******Seller is offering a $5,000 concession towards buyers closing cost.
Cost to own
Mortgage calculator
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, 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 | $474,349 | $159,809 | — |
| 2024 | $513,472 | $154,598 | — |
| 2023 | $366,996 | $148,639 | — |
| 2022 | $343,151 | $142,854 | — |
| 2021 | $279,355 | $137,237 | — |
| 2020 | $276,808 | $134,652 | — |
2025 property taxes (current owner): $3,111/yr
Estimated taxes if purchased at asking price: ~$10,700/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 X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 1947)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0020231 - City of Jacksonville Beach · Public water (record)
County records show this parcel on central sewer served by FL0020231 - City of Jacksonville Beach — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,756 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 homeInformational 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
- Apr 13, 2026Listed$545,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PONTE VEDRA BEACH REALTY, INC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines