This home is in Pablo Beach South, Jacksonville Beach.

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Active Under Contract

Active Under Contract·45 days on market·Pablo Beach South

138 12th Avenue S

Jacksonville Beach, FL 32250

$849,000$840/sqftEst. $4,329/moMLS# 2150215

Beds

Baths

1,011

Sq Ft

1924

Built

—

Garage

Pool

About this home

Pablo Beach South

Do you want to be a short stroll to the beach? This cottage might be for you. All new kitchen, roof and electrical panel. Newly painted and ideal for your beach get away. Walk to cafes, restaurants and of course the beach is just 1 block away. This is the quintessential beach get away. Live in town and have a beach getaway. The BEST priced single family home east of 3rd Street in all of the beaches. Are you looking for an investment, an AirBnB? Do you live in town and want a beach getaway? Look no further.

Cost to own

Mortgage calculator

Home Price

$849,000

Down Payment: 20%

$169,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,329

Principal & Interest: $4,329

Property taxes (est.): $1,386

Insurance (est.): $566

Estimated Total Monthly

$6,281

*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$4,329

Property taxesest. at asking price, Duval County$1,386

Estimated total, before insurance$5,715/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,571/yr · $881/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	$598,233	$559,973	—
2024	$598,555	$509,067	—
2023	$496,865	$462,789	—
2022	$420,718	$420,718	—
2021	$401,383	$401,383	—
2020	$398,366	$398,366	—

2025 property taxes (current owner): $10,571/yr

Estimated taxes if purchased at asking price: ~$16,600/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: material not specified — year not disclosed (home built 1924)

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: ~1,682 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