635 6th Avenue S

Jacksonville Beach, FL 32250

$439,900$420/sqftEst. $2,243/moMLS# 2158102

Beds

Baths

1,048

Sq Ft

2004

Built

—

Garage

Pool

About this home

Pablo Beach South

Experience the best of Jacksonville Beach living in this fully renovated 2-bedroom, 2-bath townhouse just one block from the ocean. Offering 1,048 square feet of move-in-ready living space, this home features new flooring, fresh paint, a beautifully updated kitchen with new cabinetry, countertops, stainless steel appliances, modern lighting, and two renovated bathrooms. The bright, open layout is perfect for everyday living or entertaining. Relax on the welcoming front porch and enjoy the coastal breeze. Just a short walk to the beach, restaurants, coffee shops, shopping, parks, and nightlife, this home offers the ideal blend of modern updates and an unbeatable beachside location. Perfect as a primary residence, vacation home, or investment opportunity.

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.

History