Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville Beach — a home near Duncan U. Fletcher High School.

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Active Under Contract

Active Under Contract·43 days on market

1139 Ruth Avenue

Jacksonville Beach, FL 32250

$569,000$409/sqftEst. $2,934/moMLS# 2152751

Beds

Baths

1,392

Sq Ft

1995

Built

Garage

Pool

About this home

Jacksonville Beach

Your BEACH LIFE is waiting! This freshly painted COASTAL CHARMER is waiting for its next chapter! This INVITING HOME blends immediate curb appeal with the kind of future-forward opportunity buyers love: a PEACEFUL OUTDOOR RETREAT, and a location that puts the best of the community within easy reach. Just minutes from the shoreline, this 3 Bedroom, 2 Bath property offers the everyday luxury of living CLOSE TO THE BEACH, morning walks on the sand, weekend paddleboarding and sunsets that feel like a daily gift. The OCEAN BREEZE drifts through the neighborhood, giving the entire area a relaxed, vacation-at-home feeling. At the same time, the home sits conveniently near schools and Beaches Baptist Hospital, making it a SMART CHOICE for buyers who want both LIFESTYLE AND PRACTICALITY. Plan for your future and invest in a neighborhood with STRONG LONG-TERM VALUE, this location checks every box. Make this home yours!

Cost to own

Mortgage calculator

Home Price

$569,000

Down Payment: 20%

$113,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,934

Principal & Interest: $2,934

Property taxes (est.): $929

Insurance (est.): $379

Estimated Total Monthly

$4,243

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,934

Property taxesest. at asking price, Duval County$929

Estimated total, before insurance$3,863/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.

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 1995)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,652 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