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.

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Active·Listed today·Pablo Beach South

639 6th Avenue S

Jacksonville Beach, FL 32250

$439,900$420/sqftEst. $2,243/moMLS# 2158101

Beds

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

$439,900

Down Payment: 20%

$87,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,243

Principal & Interest: $2,243

Property taxes (est.): $718

Insurance (est.): $293

Estimated Total Monthly

$3,254

*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$2,243

Property taxesest. at asking price, Duval County$718

Estimated total, before insurance$2,961/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2004)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

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

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