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This home is in Pablo Beach South, Jacksonville Beach.

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Active

Active·113 days on market·Pablo Beach South

107 12th Avenue S

Jacksonville Beach, FL 32250

$949,999$497/sqftEst. $4,884/moMLS# 2144180

Beds

Baths

1,913

Sq Ft

2007

Built

Garage

Pool

About this home

Pablo Beach South

Live the laid back lifestyle in this stunning Jax Beach townhome! This well maintained home offers the ideal blend of comfort, style and location. The kitchen features granite countertops, stainless steel appliances and flows seamlessly into the living and dining area. Upstairs you'll find generously sized bedrooms including a primary suite with a huge walk in closet. Downstairs you'll find another bedroom with full bath perfect for an inlaw suite or an apartment with it's in private entrance. Whether you're searching for a primary residence, vacation home or investment property this property would be perfect. Located near local dining, shopping, entertainment just steps from the beach, this home is perfect for everyone.

Cost to own

Mortgage calculator

Home Price

$949,999

Down Payment: 20%

$190,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,884

Principal & Interest: $4,884

Property taxes (est.): $1,551

Insurance (est.): $633

Estimated Total Monthly

$7,068

*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$4,884

Property taxesest. at asking price, Duval County$1,551

Estimated total, before insurance$6,435/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,256/yr · $1,521/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

Year	Market value	Taxable value	Change
2025	$989,717	$989,717	—
2024	$991,165	$941,178	▼ $205
2023	$883,293	$855,617	—
2022	$777,834	$777,834	—
2021	$529,527	$529,527	—
2020	$521,819	$415,082	—

2025 property taxes (current owner): $18,256/yr

Estimated taxes if purchased at asking price: ~$18,600/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: material not specified — year not disclosed (home built 2007)

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: ~1,767 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