This home is in North Beach, Jacksonville Beach.

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Active

Active·Listed today·North Beach

1051 1st Avenue N

Jacksonville Beach, FL 32250

$637,000$348/sqftEst. $3,248/moMLS# 2157626

Beds

Baths

1,830

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 II 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

$637,000

Down Payment: 20%

$127,400

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,248

Principal & Interest: $3,248

Property taxes (est.): $1,040

Insurance (est.): $425

Estimated Total Monthly

$4,713

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,248

Property taxesest. at asking price, Duval County$1,040

HOAbilled monthly$350

Estimated total, before insurance$4,638/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,398/yr · $200/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).

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: ~$12,500/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