This home is in Jacksonville Beach.
Active Under Contract·45 days on market
16 San Pablo Circle N
Jacksonville Beach, FL 32250
About this home
Jacksonville Beach
MULTIPLE OFFERS, ASKING FOR HIGHEST AND BEST BY 6PM, TUESDAY, JUNE 9TH. Beautifully renovated, lovingly maintained beach bungalow in the heart of Jax Beach. This 4-bedroom, 2-bathroom beach house offers a split floor plan with wood-look tile flooring throughout. The primary suite features a fully updated en-suite bathroom, creating a private retreat within the home. Three spacious guest bedrooms offer space for guests, children, or a home office. Enjoy additional living space in the bright and versatile Florida room, perfect for relaxing and entertaining. Situated on an oversized lot, the property offers endless possibilities to design your dream backyard, whether you envision a pool, outdoor kitchen, garden, or play area. With thoughtful updates, a functional layout, and ample indoor and outdoor living space, this move-in-ready home combines comfort, style, and coastal charm.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $442,362 | $206,002 | — |
| 2024 | $442,615 | $199,489 | — |
| 2023 | $368,797 | $192,223 | — |
| 2022 | $328,405 | $185,168 | — |
| 2021 | $251,816 | $175,508 | — |
| 2020 | $245,058 | $172,395 | — |
2025 property taxes (current owner): $3,963/yr
Estimated taxes if purchased at asking price: ~$10,800/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: material not specified — year not disclosed (home built 1958)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water (record)
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,716 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 homeAs 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
Price & status history
- Jun 5, 2026Listed$549,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: MARZUCCO REAL ESTATE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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