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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Pine Grove, Jacksonville Beach.

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Sold

Sold·Closed Jul 7, 2026·3 days on market·Recent sales in Pine Grove·Pine Grove

1538 5th Avenue N

Jacksonville Beach, FL 32250

$650,000sold priceListed at $635,000 · 102.4% of asking$348/sqftMLS# 2148382
3
Beds
2
Baths
1,870
Sq Ft
1959
Built
1
Garage
No
Pool

8 more homes for sale in Pine Grove →Search Pine Grove on the map

No HOA12,632 sqft lotSingle Family Residence1 story

About this home

Pine Grove

Full of character, charm, and endless possibilities, this concrete block Jacksonville Beach bungalow offers a rare opportunity to own a spacious double lot in one of the area's most desirable locations. Thoughtfully maintained with major updates already completed, including a brand-new HVAC system, 5-year-old roof, 1.5 year-old tankless water heater, and valuable wind mitigation features that help keep insurance costs low. Step inside and be welcomed by an impressive great room featuring soaring wood-planked ceilings, abundant natural light, and a stunning brick fireplace that serves as the heart of the home. Whether you're hosting friends, gathering with family, or simply relaxing after a day at the beach, this inviting space delivers warmth and character that is hard to find.

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$3,600
Property taxesest. at asking price, Duval County$1,061
Estimated total, before insurance$4,662/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,711/yr · $309/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$650,000
$130,000
Loan Term
Monthly Payment
$3,600
Principal & Interest: $3,600
Property taxes (est.): $1,061
Insurance (est.): $433
Estimated Total Monthly
$5,095
*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 1959)

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

Solar potential: ~1,458 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$531,660$192,346—
2024$493,299$186,218▲ $200
2023$525,876$179,338—
2022$479,297$172,659—
2021$408,775$166,174—
2020$368,466$163,190—

2025 property taxes (current owner): $3,711/yr

Estimated taxes if purchased at asking price: ~$12,700/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.

History

Price & status history

  • Jul 7, 2026Closed$635,000

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

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 $440/sq ft; this home is listed at $340/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
850 Holly Drive, Jacksonville Beach, FL 32250Listed by ORENDER GROUP LLCOct 2026$750,000$4404/31,705970.2
1104 5th Avenue N, Jacksonville Beach, FL 32250Listed by REGION ATLANTIC REALTYAug 2026$765,000$3863/2.51,980270.3
1115 Palm Circle, Jacksonville Beach, FL 32250Listed by TRUDEALS REALTY CORPSep 2026$875,000$4184/22,09150.4
1120 20th Street N, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$835,000$4623/2.51,808140.4
1031 24th Street N, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$575,000$4133/21,3931010.5
1206 17th Street N, Jacksonville Beach, FL 32250Listed by REAL BROKER LLCSep 2026$750,000$4783/21,56820.5

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$635,000
Price / Sq Ft$340
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,870
Acres0.29 acres
Year Built1959
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address1538 5th Avenue N, Jacksonville Beach, FL 32250
Area213-Jacksonville Beach-NW
SubdivisionPine Grove
CityJacksonville Beach
CountyDuval
StateFL
Zip Code32250
Lot Size12,632.4 sq ft
Parcel Number1779740000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s)
AppliancesElectric Oven, Electric Range, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringTerrazzo, Tile
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryIn Garage

Exterior

Patio / PorchDeck
FencingBack Yard
RoofShingle
ConstructionBlock

Additional Information

Date ListedJune 5, 2026
Days on Market3
Tax Amount$3,711.01
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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.

The neighborhood

About Pine Grove

Pine Grove is a neighborhood in Jacksonville Beach, FL (Duval County), ZIP 32250.

View all Pine Grove homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 7, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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