This home is in North Beach, Jacksonville Beach.

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Active

Active·1 day on market·North Beach

18 N Beach Way

Jacksonville Beach, FL 32250

$599,900$331/sqftEst. $3,193/moMLS# 2154970

Beds

Baths

1,812

Sq Ft

2026

Built

Garage

Pool

About this home

North Beach

LIVE at The BEACH! Embrace a lifestyle of coastal living with North Beach Townhomes located just minutes from A1A, I-295, & JTB within walking distance to beach, dining, Gonzales Park, and more!! This Dream Finders home features the Mariner floor plan with 4 bedrooms, 3.5 bath, and two car garage! Upgrades can be found throughout such as Quartz countertops, LVP flooring, SS appliances, and more!! North Beach is perfect for beachside living and features a community pool. Ask about our Preferred Membership to Gate Hospitality - Ponte Vedra Inn & Club, The Lodge & Club, Epping Forest, and The River Club

Cost to own

Mortgage calculator

Home Price

$599,900

Down Payment: 20%

$119,980

Interest Rate: 7.00%

Loan Term

Monthly Payment

$3,193

Principal & Interest: $3,193

Est. Taxes & Insurance: $798

Estimated Total Monthly

$3,991

*Estimates based on 30-year loan at 7% APR. 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$3,193

Property taxesest. at asking price, Duval County$980

HOAbilled monthly$350

Estimated total, before insurance$4,522/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	$130,000	$130,000	—

2025 property taxes (current owner): $2,398/yr

Estimated taxes if purchased at asking price: ~$11,800/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 (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: material not specified — year not disclosed (home built 2026)

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: ~1,615 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