This home is in Jacksonville Beach.

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Active Under Contract

Active Under Contract·45 days on market

26 20th Avenue N

Jacksonville Beach, FL 32250

$3,295,000$1157/sqftEst. $16,748/moMLS# 2149090

Beds

Baths

2,847

Sq Ft

2026

Built

Garage

Pool

About this home

Jacksonville Beach

A rare new build moments from the Atlantic, 26 20th Avenue North rises three homes off the sand on the coveted Seagate stretch between Jacksonville Beach and Neptune Beach, capturing sweeping ocean views and the essence of coastal living. Nearly 3,000 square feet span 3 light-filled levels connected by a private elevator and framed by impact-resistant glass. Four bedrooms, four-and-a-half baths, two ocean-view balconies, dual laundry, and a two-car garage are finished with marble, natural wood, and bespoke tile. The flexible first-floor suite serves as a guest retreat, office, or fitness studio. Above, the primary suite enjoys ocean views and a spa-inspired bath with soaking tub and walk-in shower. A 1,500+ square foot rooftop terrace features a summer kitchen, eight-person spa, and panoramic views from the Atlantic to Neptune Beach. Just one mile from both Town Center and the Jacksonville Beach Pier, this is luxury beach living at its finest.

Cost to own

Mortgage calculator

Home Price

$3,295,000

Down Payment: 20%

$659,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$16,748

Principal & Interest: $16,748

Property taxes (est.): $5,380

Insurance (est.): $2,197

Estimated Total Monthly

$24,325

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.55% · 30yr$16,748

Property taxesest. at asking price, Duval County$5,380

Estimated total, before insurance$22,128/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

Last sold: $990,000 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$749,250	$749,250	—
2024	$861,241	$861,241	—
2023	$656,024	$363,321	—
2022	$554,842	$351,283	—
2021	$396,718	$339,596	—
2020	$391,812	$334,217	—

2024 property taxes (current owner): $15,992/yr

Estimated taxes if purchased at asking price: ~$64,600/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Concrete, Membrane, Other — year not disclosed (home built 2026)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,670 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

As 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$3,295,000

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

Features

Price$3,295,000

Price / Sq Ft$1,157

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage2,847

Total Structure Area5,027 sq ft

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesNorth

School Information

MiddleSelect One

Community Information

Address26 20th Avenue N, Jacksonville Beach, FL 32250

Area211-Jacksonville Beach-NE

SubdivisionJacksonville Beach

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Parcel Number1747750000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Guest, Off Street

ViewBeach, Ocean, Water

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Elevator, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Disposal, Dryer, Electric Oven, Electric Water Heater, Freezer, Gas Cooktop, Gas Oven, Microwave, Refrigerator, Washer/Dryer Stacked, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air, Electric, Multi Units, Split System

FlooringStone, Tile, Wood

# of Stories4

LevelsThree Or More

LaundryLower Level, Upper Level

Spa FeaturesHeated, Above Ground, Private