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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Pablo Beach South, Jacksonville Beach.

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Pending

$389,900Pending2 bd · 1.5 ba · 1,048 sq ft

Pending·93 days on market·Pablo Beach South

635 6th Avenue S

Jacksonville Beach, FL 32250

$389,900$372/sqftEst. $2,126/mo mortgageMLS# 2158102
↓ $50,000 below original list
2
Beds
1.5
Baths
1,048
Sq Ft
2004
Built
—
Garage
No
Pool

25 more homes for sale in Pablo Beach South →Search Pablo Beach South on the map

FEMA Zone XNo HOA2,047 sqft lotTownhouse2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,126
Property taxesest. at asking price, Duval County$637
Estimated total, before insurance$2,762/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$389,900
$77,980
Loan Term
Monthly Payment
$2,126
Principal & Interest: $2,126
Property taxes (est.): $637
Insurance (est.): $260
Estimated Total Monthly
$3,022
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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: material not specified — 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Oct 13, 2026Pending$389,900
  • Oct 6, 2026Price change$389,900−$10,000
  • Sep 24, 2026Price change$399,900−$15,100
  • Sep 17, 2026Price change$415,000−$9,900
  • 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.

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 $508/sq ft; this home is listed at $372/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
221 6th Avenue S E, Jacksonville Beach, FL 32250Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$425,000$5082/28363440.3
386 1st Street S, Jacksonville Beach, FL 32250Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$520,000$4083/21,2752990.4
601 1st Street S 3C, Jacksonville Beach, FL 32250Listed by WATSON REALTY CORPJul 2026$569,000$5272/21,0801100.4
1221 1st Street S 2B, Jacksonville Beach, FL 32250Listed by COMPASS FLORIDA LLCOct 2026$700,000$5562/21,259700.6
1301 1st Street S 103, Jacksonville Beach, FL 32250Listed by SIGNAL REAL ESTATE INCSep 2026$500,000$4712/21,0621470.6
1301 1st Street 802, Jacksonville Beach, FL 32250Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$450,000$3652/21,2321440.6

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

Price$389,900
Price / Sq Ft$372
Bedrooms2
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage1,048
Acres0.05 acres
Year Built2004
TypeResidential
Sub-TypeTownhouse
StyleHalf Duplex
Property ConditionUpdated/Remodeled
StatusPending
Has PoolNo
Is WaterfrontNo

School Information

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address635 6th Avenue S, Jacksonville Beach, FL 32250
Area214-Jacksonville Beach-SW
SubdivisionPablo Beach South
CityJacksonville Beach
CountyDuval
StateFL
Zip Code32250
Lot Size2,047.32 sq ft
Parcel Number1760080020
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePrivate
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
FencingWood
ConstructionWood Siding

Additional Information

Date ListedJuly 31, 2026
Days on Market93
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HOMEZU.COM OF FLORIDA

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.

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 →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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