Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville Beach — a home near Duncan U. Fletcher High School.

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Active

Active·52 days on market

422 9th Avenue N

Jacksonville Beach, FL 32250

$1,149,900$542/sqftEst. $5,912/moMLS# 2142627

Beds

Baths

2,122

Sq Ft

2022

Built

Garage

Pool

About this home

Jacksonville Beach

0.3 mi to Jacksonville Beach access • Entire third floor functions like a 4th bedroom • No HOA • Rooftop balcony • Built 2022 • 3D tour + floor plan. Contemporary 3-story townhome offering a flexible layout w/ an entire third-floor loft that serves as a private suite-style space. While not a conforming bedroom due to the absence of a door, the level provides the size, privacy, & functionality many buyers seek in a 4-bedroom home, making it ideal as a guest suite, home office, media room, fitness space, or additional sleeping area. Features include 10 ft ceilings, 8 ft birch doors, LVP flooring, white oak stair treads, designer fixtures, epoxy-coated garage w/ mini split, European-style cabinetry, quartz countertops, waterfall island, & electric fireplace. Glass sliders open to a fenced backyard w/ new pavers & turf (2025, approximately $35K). Primary suite offers a private balcony & built-in closet. Dedicated laundry room w/ sink. No HOA allows flexibility for short-term rental use.

Cost to own

Mortgage calculator

Home Price

$1,149,900

Down Payment: 20%

$229,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,912

Principal & Interest: $5,912

Property taxes (est.): $1,878

Insurance (est.): $767

Estimated Total Monthly

$8,556

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$5,912

Property taxesest. at asking price, Duval County$1,878

Estimated total, before insurance$7,789/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,695/yr · $1,141/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: $950,000 in February 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$742,437	$742,437	—
2024	$763,106	$763,106	▼ $109
2023	$809,665	$800,037	—
2022	$126,100	$114,702	—

2025 property taxes (current owner): $13,695/yr

Estimated taxes if purchased at asking price: ~$22,500/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: material not specified — year not disclosed (home built 2022)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,474 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Jul 7, 2026Price change$1,149,900−$15,100
Jul 7, 2026Active$1,165,000
Jul 7, 2026Withdrawn$1,165,000
Apr 30, 2026Listed$1,165,000

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

Features

Price$1,149,900

Price / Sq Ft$542

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,122

Acres0.07 acres

Year Built2022

TypeResidential

Sub-TypeTownhouse

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementarySan Pablo

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address422 9th Avenue N, Jacksonville Beach, FL 32250

Area213-Jacksonville Beach-NW

SubdivisionPablo Beach North

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size3,049.2 sq ft

Lot Dimensions25X125

Parcel Number1744570025

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories3

LevelsThree Or More

LaundryIn Unit, Sink, Upper Level