Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Pablo Beach South, Jacksonville Beach.

1 / 23

Active

Active·45 days on market·Pablo Beach South

639 6th Avenue S

Jacksonville Beach, FL 32250

$424,900$405/sqftEst. $2,207/moMLS# 2158101

Beds

1.5

Baths

1,048

Sq Ft

2004

Built

—

Garage

Pool

About this home

Pablo Beach South

Live just one block from the beach in this fully renovated 2-bedroom, 2-bath townhouse offering 1,048 square feet of stylish, move-in-ready living. Recent updates include new flooring, fresh paint, a beautifully remodeled kitchen with new cabinetry, countertops, stainless steel appliances, updated lighting, and renovated bathrooms. The private backyard features a spacious deck, green space, and a detached storage shed, providing the perfect place to relax, entertain, or store beach gear. Located within walking distance of the ocean, restaurants, coffee shops, shopping, parks, and entertainment, this turnkey home is ideal as a primary residence, vacation getaway, or investment property.

Cost to own

Mortgage calculator

Home Price

$424,900

Down Payment: 20%

$84,980

Interest Rate: 6.76%

Loan Term

Monthly Payment

$2,207

Principal & Interest: $2,207

Property taxes (est.): $694

Insurance (est.): $283

Estimated Total Monthly

$3,184

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$2,207

Property taxesest. at asking price, Duval County$694

Estimated total, before insurance$2,901/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Shingle — year not disclosed (home built 2004)

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: ~1,742 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 August 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

Price & status history

Sep 10, 2026Price change$424,900−$10,000
Aug 27, 2026Price change$434,900−$5,000
Jul 31, 2026Listed$439,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$424,900

Price / Sq Ft$405

Bedrooms2

Bathrooms1.50

Full Baths1

Half Baths1

Square Footage1,048

Acres0.04 acres

Year Built2004

TypeResidential

Sub-TypeTownhouse

StyleHalf Duplex

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address639 6th Avenue S, Jacksonville Beach, FL 32250

Area214-Jacksonville Beach-SW

SubdivisionPablo Beach South

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size1,916.64 sq ft

Parcel Number1760080010

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingShared Driveway

ViewBeach

Interior

Interior FeaturesBreakfast Bar, Kitchen Island

AppliancesDishwasher, Electric Oven, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringWood

FireplaceNo

# of Fireplaces0

# of Stories2

LevelsTwo

Exterior

Exterior FeaturesOther

Patio / PorchDeck

FencingBack Yard

RoofShingle

Other StructuresShed(s)

Additional Information

Date ListedJuly 31, 2026

Days on Market41

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

The neighborhood

About Pablo Beach South

Pablo Beach South is a neighborhood in Jacksonville Beach, FL (Duval County), ZIP 32250.

View all Pablo Beach South homes for sale →

Listing Courtesy of: HOMEZU.COM OF FLORIDA

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Keep looking

More homes in Pablo Beach South

View all Pablo Beach South homes →