This home is in Jacksonville Beach.

1 / 50

Active

Active·1 day on market

1120 20th Street N

Jacksonville Beach, FL 32250

$850,000$470/sqftEst. $4,524/moMLS# 2155888

Beds

Baths

1,808

Sq Ft

2002

Built

Garage

Yes

Pool

About this home

Jacksonville Beach

Built in 2002 and recently COMPLETELY renovated, this stunning pool home offers the best of both worlds--modern construction in one of Jacksonville Beach's most established neighborhoods. Enjoy the peace of mind of a newer roof (2021), HVAC (2022), tankless water heater (2022), and hurricane shutters throughout! Inside, you'll find a bright open floor plan with high ceilings and tons of natural light. Every space has been thoughtfully updated with high-end finishes, creating a home that feels luxurious and completely move-in ready. Step outside and you'll find an outdoor space that's just as inviting as the interior. Cool off in the pool or stay dry on the covered back patio, relax under the custom pergola, and enjoy the fresh coastal landscaping which creates a private setting with low maintenance. Located just minutes from the beach, parks, and great restaurants, this is a rare opportunity to own a newer-construction POOL home in one of Jax Beach's most desirable neighborhoods.

Cost to own

Mortgage calculator

Home Price

$850,000

Down Payment: 20%

$170,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,320

Principal & Interest: $4,320

Est. Taxes & Insurance: $1,080

Estimated Total Monthly

$5,401

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). 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$4,524

Property taxesest. at asking price, Duval County$1,388

Estimated total, before insurance$5,912/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

2025 property taxes (current owner): $10,891/yr

Estimated taxes if purchased at asking price: ~$16,700/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, 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,752 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