This home is in Jacksonville Beach.

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Active

Active·56 days on market

922 12th Street N

Jacksonville Beach, FL 32250

$545,000$545/sqftEst. $2,901/moMLS# 2146311

Beds

Baths

1,000

Sq Ft

1960

Built

—

Garage

Pool

About this home

Jacksonville Beach

This super cute beach bungalow blends modern updates with laid-back coastal charm, offering three bedrooms, one beautifully renovated bathroom, and a fully fenced backyard perfect for relaxing or entertaining. The owners have completely transformed the home inside and out, featuring a stunning renovated kitchen with new cabinetry, quartz countertops, stainless steel appliances, decorative niches, and an open flow into the dining and living areas. Interior upgrades include new luxury vinyl plank flooring, windows, paint, doors, and trim, creating a fresh, move-in-ready feel throughout. Outside, you'll love the brand-new sod, extended paver driveway and porch, epoxy-coated carport, screened porch, and convenient laundry closet. Located just 12 blocks from the beach, this home is perfectly situated for biking or cruising to nearby shopping, dining, and entertainment. Beach living truly doesn't get any better than this!

Cost to own

Mortgage calculator

Home Price

$545,000

Down Payment: 20%

$109,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,753

Principal & Interest: $2,753

Est. Taxes & Insurance: $688

Estimated Total Monthly

$3,441

*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$2,901

Property taxesest. at asking price, Duval County$890

Estimated total, before insurance$3,791/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	$289,748	$26,582	—
2024	$318,481	$25,126	—
2023	$298,318	$25,000	—
2022	$271,180	$25,000	—
2021	$199,721	$25,000	—
2020	$197,345	$25,000	—

2025 property taxes (current owner): $653/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 — 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: Shingle — year not disclosed (home built 1960)

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: ~1,580 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