This home is in Pablo Beach South, Jacksonville Beach.

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Active

Active·47 days on market·Pablo Beach South

522 3rd Avenue S

Jacksonville Beach, FL 32250

$599,000$297/sqftEst. $3,188/moMLS# 2146415

Beds

Baths

2,018

Sq Ft

1932

Built

—

Garage

Pool

About this home

Pablo Beach South

Endless opportunity with this Jax Beach property just 5 blocks from the beach! Zoned residential/multi-family with zero rental restrictions. This 4 bedroom home features TWO primary ensuite bedrooms and 3 full bathrooms total. Plenty of storage for your bikes and surfboards in the attached storage shed. Centrally located, making it the perfect primary residence or vacation rental.

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,026

Principal & Interest: $3,026

Est. Taxes & Insurance: $756

Estimated Total Monthly

$3,782

*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$3,188

Property taxesest. at asking price, Duval County$978

Estimated total, before insurance$4,166/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	$452,769	$452,769	—
2024	$466,559	$192,486	▼ $30,087
2023	$504,057	$185,424	—
2022	$353,044	$178,567	—
2021	$295,206	$120,729	—
2020	$293,403	$118,372	—

2025 property taxes (current owner): $8,351/yr

Estimated taxes if purchased at asking price: ~$11,700/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 1932)

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: ~1,751 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