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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Pablo Beach North, Jacksonville Beach.

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Sold

Sold·Closed Sep 30, 2026·57 days on market·Recent sales in Pablo Beach North·Pablo Beach North

421 7th Street N

Jacksonville Beach, FL 32250

$465,000sold priceListed at $479,900 · 96.9% of asking$477/sqftMLS# 2153297
3
Beds
1
Baths
975
Sq Ft
1950
Built
—
Garage
No
Pool

8 more homes for sale in Pablo Beach North →Search Pablo Beach North on the map

FEMA Zone XNo HOA5,489 sqft lotSingle Family Residence1 story

About this home

Pablo Beach North

BEST PRICED SINGLE FAMILY HOME IN JAX BEACH. Adorable home. Feels bigger than the square footage. Fully renovated kitchen, appliances, roof and flooring. Front and rear porch for you to relax. Large detached storage shed for beach toys, surf boards, tools and lawn equipment. What a location. Close to parks, restaurants, grocery, bowling and just 7 blocks to the beach. Wonderful neighborhood for walking, running and strolling with your animals. Cute primary home, adorable second home, or invest for your future with short and long term rental options.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,576
Property taxesest. at asking price, Duval County$759
Estimated total, before insurance$3,335/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,701/yr · $558/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$465,000
$93,000
Loan Term
Monthly Payment
$2,576
Principal & Interest: $2,576
Property taxes (est.): $759
Insurance (est.): $310
Estimated Total Monthly
$3,645
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 1950)

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: ~1,504 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$140,162$0—
2025$396,949$345,624—
2024$138,793$0—
2024$385,354$314,204▼ $175
2023$136,252$0—
2023$338,424$285,640—
2022$124,122$0—
2022$312,062$259,673—
2021$88,232$0—
2021$236,067$236,067—
2020$74,282$0—
2020$231,204$231,204—

2025 property taxes (current owner): $6,701/yr

Estimated taxes if purchased at asking price: ~$9,100/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.

History

Price & status history

  • Sep 30, 2026Closed$479,900
  • Sep 19, 2026Pending$479,900
  • Aug 28, 2026Active Under Contract$479,900
  • Aug 4, 2026Price change$479,900−$16,000
  • Jul 23, 2026Price change$495,900−$9,000
  • Jul 16, 2026Price change$504,900−$20,000
  • Jul 8, 2026Price change$524,900−$25,100
  • Jul 1, 2026Listed$550,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $483/sq ft; this home is listed at $492/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
827 4th Avenue N, Jacksonville Beach, FL 32250Listed by YOUR PROPERTY REALTY LLCJul 2026$599,900$5293/21,13460.1
719 4th Avenue N, Jacksonville Beach, FL 32250Listed by MOMENTUM REALTYJul 2026$585,000$4833/21,212230.1
321 9th Street N, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSMay 2026$415,000$3433/21,210190.1
909 7th Avenue N, Jacksonville Beach, FL 32250Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$490,000$4952/199010.3
922 7th Avenue N, Jacksonville Beach, FL 32250Listed by 1 REALTY CORPJul 2026$529,000$4503/21,175110.3
608 Barbara Lane, Jacksonville Beach, FL 32250Listed by REAL BROKER LLCJun 2026$450,000$4812/193670.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$479,900
Price / Sq Ft$492
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage975
Total Structure Area1,361 sq ft
Acres0.13 acres
Year Built1950
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

Community Information

Address421 7th Street N, Jacksonville Beach, FL 32250
Area213-Jacksonville Beach-NW
SubdivisionPablo Beach North
CityJacksonville Beach
CountyDuval
StateFL
Zip Code32250
Lot Size5,488.56 sq ft
Parcel Number1738900000

Amenities

UtilitiesElectricity Connected, Sewer Connected
Water SourcePublic
ParkingAttached Carport

Interior

AppliancesElectric Range, Microwave, Refrigerator
HeatingCentral
CoolingElectric
# of Stories1

Additional Information

Date ListedJuly 1, 2026
Days on Market57
Tax Amount$6,700.65
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DIAMOND LIFE REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Pablo Beach North

Pablo Beach North is a neighborhood in Jacksonville Beach, FL (Duval County), ZIP 32250.

View all Pablo Beach North homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 30, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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