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This home is in Jacksonville Beach.

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Active Under Contract

Active Under Contract·45 days on market

820 5th Avenue S

Jacksonville Beach, FL 32250

$499,000$265/sqftEst. $2,563/moMLS# 2154295

Beds

Baths

1,882

Sq Ft

2024

Built

Garage

Pool

About this home

Jacksonville Beach

Welcome to coastal living! Built in 2024, this 3-bedroom, 2.5-bath townhome offers a blend of modern design, low-maintenance living, and an unbeatable beachside location. Just a short walk to the ocean, local restaurants, shops, and more, you'll enjoy everything beach life has to offer right outside your door. The open-concept first floor features a spacious kitchen, dining area, and living room. Upstairs, you'll find all three bedrooms, providing privacy and a functional layout. This home has numerous owner upgrades, including a custom wet bar, creating the perfect space to entertain. Step outside to an expanded paver patio designed for easy, low-maintenance outdoor living. The garage also features a custom overhead storage rack, maximizing storage and organization. Whether you're searching for a primary residence, vacation home, or an investment, this property checks every box. With no rental restrictions, it offers excellent flexibility and outstanding income potential.

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,563

Principal & Interest: $2,563

Property taxes (est.): $815

Insurance (est.): $333

Estimated Total Monthly

$3,710

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,563

Property taxesest. at asking price, Duval County$815

Estimated total, before insurance$3,378/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2024	$205,000	$187,000	—
2023	$170,000	$170,000	—
2022	$202,500	$202,500	—

Estimated taxes if purchased at asking price: ~$9,800/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 (2024), 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: material not specified — year not disclosed (home built 2024)

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

Solar potential: ~1,799 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