This home is in Jacksonville.

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Active Under Contract

Active Under Contract·25 days on market

1148 Panuco Avenue N

Jacksonville, FL 32233

$479,900$376/sqftEst. $2,447/moMLS# 2153231

Beds

Baths

1,276

Sq Ft

1962

Built

—

Garage

Yes

Pool

About this home

Jacksonville

Hard-to-find saltwater pool home in sought-after Oak Harbor! Experience resort-style living in your own private backyard oasis w/ a sparkling saltwater pool, fire pit, & ambient lighting-perfect for entertaining or relaxing year-round. This beautifully updated 3BR/3BA coastal retreat offers the freedom of a no-HOA boating community, giving you plenty of space to park your boats, golf carts, and toys, plus convenient access to a community boat ramp. Completely remodeled and move-in ready, this home features a stunning kitchen with quartz countertops, custom cabinetry, stainless steel appliances, & gas cooktop, along w/ updated bathrooms, flooring, lighting, paint, windows, sliders, & more. Major systems including roof, HVAC, & water heater were replaced in 2022. Enjoy added privacy w/ a new fence & the convenience of being minutes from beaches, Mayport Naval Station, the ferry, shopping, & dining. Currently a successful Airbnb w/ furniture negotiable--just pack your bags & move in!

Cost to own

Mortgage calculator

Home Price

$479,900

Down Payment: 20%

$95,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,447

Principal & Interest: $2,447

Property taxes (est.): $784

Insurance (est.): $320

Estimated Total Monthly

$3,550

*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$2,447

Property taxesest. at asking price, Duval County$784

Estimated total, before insurance$3,230/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,433/yr · $536/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	$340,976	$340,976	—
2024	$319,457	$319,457	▼ $680
2023	$321,223	$315,352	—
2022	$286,684	$286,684	—
2021	$168,195	$44,017	—
2020	$162,856	$42,719	—

2025 property taxes (current owner): $6,433/yr

Estimated taxes if purchased at asking price: ~$9,400/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1962)

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

Likely sewer · Public water (record)

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,427 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Jul 22, 2026Active Under Contract$479,900
Jul 1, 2026Listed$479,900

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

Features

Price$479,900

Price / Sq Ft$376

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,276

Acres0.18 acres

Year Built1962

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive Under Contract

Has PoolYes

Pool FeaturesIn Ground, Fenced, Salt Water

Is WaterfrontNo

Community Information

Address1148 Panuco Avenue N, Jacksonville, FL 32233

Area241-North Beach

SubdivisionOak Harbor

CityJacksonville

CountyDuval

StateFL

Zip Code32233

Lot Size7,840.8 sq ft

Parcel Number1686990000

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Gas Cooktop, Gas Oven, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Vinyl

# of Stories1

LevelsOne

LaundryIn Unit

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)