This home is in Pablo Beach South, Jacksonville Beach.

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Active

Active·45 days on market·Pablo Beach South

218 4th Avenue S

Jacksonville Beach, FL 32250

$1,050,000$1039/sqftEst. $5,354/moMLS# 2149580

Beds

Baths

1,011

Sq Ft

1952

Built

—

Garage

Pool

About this home

Pablo Beach South

Turnkey and ready for its next chapter, this beautifully updated 3-bedroom, 1-bathroom cottage is located just one block from the ocean in highly desirable Jacksonville Beach. Currently operating as a successful, newly decorated short-term rental, this property is being sold fully furnished offering a seamless transition for investors or anyone seeking a move-in-ready coastal retreat. The bright and inviting layout features a cozy living room, a fully equipped kitchen with all the essential amenities, and three comfortable bedrooms that sleep up to 6 guests. Outside, you'll find a private patio/balcony area and a designated parking spot in the back for ultimate convenience. Whether you are looking for a lucrative Airbnb addition to your portfolio, a relaxing weekend getaway with loved ones, or a permanent beachside residence, this unbeatable location offers endless potential. Walk to the beach, local boutiques, and top-tier dining in minutes. Don't miss out on this coastal gem!

Cost to own

Mortgage calculator

Home Price

$1,050,000

Down Payment: 20%

$210,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,354

Principal & Interest: $5,354

Property taxes (est.): $1,715

Insurance (est.): $700

Estimated Total Monthly

$7,768

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$5,354

Property taxesest. at asking price, Duval County$1,714

Estimated total, before insurance$7,068/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,957/yr · $663/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$431,408	$431,408	—
2024	$431,787	$431,787	—
2023	$439,423	$439,423	—
2022	$431,639	$431,639	—
2021	$401,570	$367,749	▲ $9,942
2020	$334,318	$334,318	—

2025 property taxes (current owner): $7,957/yr

Estimated taxes if purchased at asking price: ~$20,600/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Shingle — year not disclosed (home built 1952)

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: ~1,650 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