This home is in Jacksonville Beach — a pool home in Jacksonville.
Sold·Closed Aug 31, 2026·14 days on market·Recent sales in Jacksonville Beach
1120 20th Street N
Jacksonville Beach, FL 32250
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.
Next steps in Jacksonville Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + 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 homeAs 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:29 AM, sunset 6:53 PM.
- A pool back here is the warmest in town and glitters in the evening.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $10,891/yr
Estimated taxes if purchased at asking price: ~$16,400/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, NEFMLS.
History
Price & status history
- Aug 31, 2026Closed$850,000
- Aug 1, 2026Active Under Contract$850,000
- Jul 17, 2026Listed$850,000
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 $418/sq ft; this home is listed at $470/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1031 24th Street N, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $575,000 | $413 | 3/2 | 1,393 | 101 | 0.2 |
| 1206 17th Street N, Jacksonville Beach, FL 32250Listed by REAL BROKER LLC | Sep 2026 | $750,000 | $478 | 3/2 | 1,568 | 2 | 0.2 |
| 850 Holly Drive, Jacksonville Beach, FL 32250Listed by ORENDER GROUP LLC | Oct 2026 | $750,000 | $440 | 4/3 | 1,705 | 97 | 0.3 |
| 1115 Palm Circle, Jacksonville Beach, FL 32250Listed by TRUDEALS REALTY CORP | Sep 2026 | $875,000 | $418 | 4/2 | 2,091 | 5 | 0.5 |
| 1104 5th Avenue N, Jacksonville Beach, FL 32250Listed by REGION ATLANTIC REALTY | Aug 2026 | $765,000 | $386 | 3/2.5 | 1,980 | 27 | 0.6 |
| 2029 Shadow Lane, Neptune Beach, FL 32266Listed by LPT REALTY LLC | Aug 2026 | $650,000 | $346 | 3/2 | 1,881 | 103 | 0.8 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Sold by: COLDWELL BANKER ANABASIS REALTY (buyer's brokerage)
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.
Keep looking
More homes in Jax Beach
For Sale1207 14th Street NJacksonville Beach, FL 32250
3 bd · 2 ba · 1,680 sq ft
$659,000Est. $3,507/moNorth Jax Beach gem tucked away on a dead-end street, this 3-bedroom, 2-bath home offers 1,680 square feet, an attached…
Listing Office: mash realty services, llc
For Sale2114 Gail Avenue CJacksonville Beach, FL 32250
3 bd · 3.5 ba · 2,100 sq ft
$620,000Est. $3,300/moThis 3-level home is steps from the Atlantic, with pool maintenance by the association. Enjoy all the ocean breezes…
Listing Office: atlantic shores realty of jacksonville llc
For Sale909 16th Street NJacksonville Beach, FL 32250
3 bd · 2 ba · 1,426 sq ft
$610,000Est. $3,247/moPerfectly situated on a quiet dead-end street in the heart of Jacksonville Beach, this beautifully maintained…
Listing Office: mcguire realty group
For Sale918 17th Street NJacksonville Beach, FL 32250
3 bd · 2 ba · 1,542 sq ft
$555,000Est. $2,954/moMOTIVATED SELLERS! Offering buyer concessions and an interest rate buy-down with an acceptable offer. Sellers are also…
Listing Office: united real estate gallery
Keep looking
Similar homes in Jacksonville Beach
Explore the area
More in Jacksonville Beach
Jacksonville Beach guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 31, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines