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

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Sold

Sold·Closed Jun 23, 2026·1 day on market·Recent sales in Jacksonville Beach

1216 21st Street N

Jacksonville Beach, FL 32250

$600,000sold priceListed at $665,000 · 90.2% of asking$216/sqftMLS# 2147253

Beds

Baths

2,776

Sq Ft

1985

Built

—

Garage

Pool

No HOA6,970 sqft lotSingle Family Residence2 stories

About this home

Jacksonville Beach

Opportunity-priced Jacksonville Beach home offering space, flexibility, and future potential on a quiet, tree-lined street just minutes from the ocean. The residence features approx. 2,776 SF of living space, which includes an enclosed garage conversion, creating a versatile layout ideal for buyers looking to personalize or redesign. The main living area showcases a dramatic two-story vaulted and beamed ceiling with wood accents and a wood-burning fireplace. Enclosed garage offers flexible use as a home office, creative space, or recreation room. Bedrooms are spread across two levels for privacy, with three upstairs bedrooms and a full bath, plus a main-level primary bedroom for convenient living. Outdoors, enjoy a fenced backyard with a large wood deck and storage shed—perfect for entertaining or beach gear. A deep driveway provides rare space for an RV, boat, or extra vehicles. Priced to reflect the layout. This home presents excellent upside potential in a desirable beach location!

Next steps in Jacksonville Beach

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,323

Property taxesest. at asking price, Duval County$980

Estimated total, before insurance$4,303/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$600,000

Down Payment: 20%

$120,000

Interest Rate: 7.40%

Loan Term

Monthly Payment

$3,323

Principal & Interest: $3,323

Property taxes (est.): $980

Insurance (est.): $400

Estimated Total Monthly

$4,703

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1985)

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

Solar potential: ~1,774 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

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.

Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $418/sq ft; this home is listed at $240/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
2280 Oak Forest Drive, Jacksonville Beach, FL 32250Listed by WATSON REALTY CORP	Sep 2026	$985,000	$278	4/3.5	3,544	15	0.1
1230 12th Street N, Jacksonville Beach, FL 32250Listed by BACHMANN HOMES REALTY, LLC	Oct 2026	$1,230,000	$487	4/3	2,525	14	0.4
1871 Kings Road, Jacksonville Beach, FL 32250Listed by MASH REALTY SERVICES, LLC	Sep 2026	$1,200,000	$453	4/3.5	2,647	4	0.6
1115 Palm Circle, Jacksonville Beach, FL 32250Listed by TRUDEALS REALTY CORP	Sep 2026	$875,000	$418	4/2	2,091	5	0.6
2010 Shadow Lane, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE	Oct 2026	$1,050,000	$384	4/2.5	2,735	184	0.7
1104 5th Avenue N, Jacksonville Beach, FL 32250Listed by REGION ATLANTIC REALTY	Aug 2026	$765,000	$386	3/2.5	1,980	27	0.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$665,000

Price / Sq Ft$240

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,776

Total Structure Area2,792 sq ft

Acres0.16 acres

Year Built1985

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUpdated/Remodeled

StatusClosed

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address1216 21st Street N, Jacksonville Beach, FL 32250

Area213-Jacksonville Beach-NW

SubdivisionJacksonville Beach

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size6,969.6 sq ft

Lot Dimensions70' X 102'

Parcel Number1790830200

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOther, Off Street

Interior

Interior FeaturesCeiling Fan(s), Split Bedrooms, Walk-In Closet(s)

AppliancesDryer, Electric Cooktop, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level

SecuritySmoke Detector(s)

Exterior

Lot DescriptionMany Trees

Patio / PorchDeck

RoofShingle

ConstructionFrame

Other StructuresShed(s)

Additional Information

Date ListedMay 27, 2026

Days on Market1

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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