This home is in Jacksonville Beach.

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Active

Active·24 days on market

1126 Penman Road

Jacksonville Beach, FL 32250

$659,900$318/sqftEst. $3,512/moMLS# 2151246

Beds

Baths

2,072

Sq Ft

2014

Built

Garage

Pool

About this home

Jacksonville Beach

[SELLER INCENTIVE: Seller offering $7500 towards Buyer CC w/ an accepted list price offer!] Your Coastal Retreat Awaits! Welcome home to this beautifully maintained, like-new residence built in 2014, offering the perfect blend of comfort, style, & location. Featuring 4 beds, 2 baths, 2,072 sq feet of living space, & an attached 2-car garage. This move-in-ready home has been thoughtfully updated w/ brand-new flooring throughout & fresh interior & exterior paint. The beautifully appointed kitchen is the heart of the home & has been recently updated, showcasing white full-overlay cabinetry, granite countertops, a classic subway tile backsplash, recessed lighting, a breakfast bar island, & brand-new SS appliances. The spacious primary suite showcases beautiful trey ceilings & provides a relaxing ensuite retreat w/ a dual-sink vanity, walk-in shower & an oversized walk-in closet. Step outside to enjoy the covered patio overlooking the fenced backyard - perfect for entertaining, relaxing...

Cost to own

Mortgage calculator

Home Price

$659,900

Down Payment: 20%

$131,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,354

Principal & Interest: $3,354

Est. Taxes & Insurance: $839

Estimated Total Monthly

$4,193

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,512

Property taxesest. at asking price, Duval County$1,078

Estimated total, before insurance$4,590/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

Year	Market value	Taxable value	Change
2025	$636,533	$536,478	—
2024	$594,143	$487,708	—
2023	$495,905	$443,371	—
2022	$470,969	$403,065	—
2021	$366,423	$366,423	—
2020	$357,551	$357,551	—

Estimated taxes if purchased at asking price: ~$12,900/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: Shingle — year not disclosed (home built 2014)

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: ~1,795 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History