This home is in Jacksonville Beach.

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Active

Active·45 days on market

105 N 11th Avenue

Jacksonville Beach, FL 32250

$2,750,000$958/sqftEst. $14,021/moMLS# 2141945

Beds

Baths

2,870

Sq Ft

2022

Built

Garage

Pool

About this home

Jacksonville Beach

Experience the ultimate coastal lifestyle just steps from the sand in this stunning three-story beach home, ideally located directly across from the ocean in the heart of Jacksonville Beach. Blending luxury with laid-back charm, this chic residence offers the perfect setting for both everyday living and unforgettable entertaining. Enjoy walkable access to local favorites including dining, shopping, nightlife, the pier, and the Seawalk Pavilion--making this an exceptional year-round retreat. Designed with comfort and convenience in mind, the home features a rare combination of parking with a two-car garage plus space for a golf cart and up to three additional vehicles in the driveway. Inside, a private elevator provides easy access to all levels. The first floor offers a welcoming guest suite with a queen bedroom and full bath, along with a stylish bar area complete with sink, a dedicated workspace, and direct access to your private outdoor living space.

Cost to own

Mortgage calculator

Home Price

$2,750,000

Down Payment: 20%

$550,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$14,021

Principal & Interest: $14,021

Property taxes (est.): $4,490

Insurance (est.): $1,833

Estimated Total Monthly

$20,345

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.58% · 30yr$14,021

Property taxesest. at asking price, Duval County$4,490

Estimated total, before insurance$18,512/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$31,986/yr · $2,666/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, 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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $1,700,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,734,116	$1,734,116	—
2024	$1,629,080	$1,588,673	—
2023	$1,444,249	$1,444,249	—

2025 property taxes (current owner): $31,986/yr

Estimated taxes if purchased at asking price: ~$53,900/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 A

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

Roof: Shingle — year not disclosed (home built 2022)

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: ~1,781 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

As 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.

History

Price & status history

Jun 13, 2026Listed$2,750,000

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

Features

Price$2,750,000

Price / Sq Ft$958

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,870

Acres0.09 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address105 N 11th Avenue, Jacksonville Beach, FL 32250

Area211-Jacksonville Beach-NE

SubdivisionPablo Beach North

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size3,920.4 sq ft

Parcel Number1746000010

Amenities

UtilitiesCable Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewBeach, City, Ocean

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Elevator, Guest Suite, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

# of Stories3

LevelsThree Or More

LaundryIn Unit

SecuritySecurity System Leased, Smoke Detector(s)