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 Jacksonville — a home near Duncan U. Fletcher High School.

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Active·7 days on market

1241 Beach Dune Drive

Jacksonville, FL 32233

$329,990$187/sqftEst. $1,705/moMLS# 2162823

Beds

Baths

1,768

Sq Ft

2022

Built

Garage

Pool

About this home

Jacksonville

LOCATION, LOCATION, LOCATION! Just minutes from the ocean, beautiful Hanna Park, and Mayport Naval Station, this 3-bedroom, 2.5-bath townhome offers the perfect blend of coastal lifestyle and everyday convenience. Tucked away at the back of the community with peaceful water views, this desirable end-unit feels like your own private retreat. Upstairs, you'll find three spacious bedrooms and two full baths, while the expansive, completely open main living level provides plenty of room to entertain, relax, and enjoy everyday life. The open-concept downstairs is truly the heart of the home--whether you're hosting friends, gathering with family, or simply enjoying a quiet evening at home. And with an end-unit location, you'll enjoy added privacy and natural light. Just minutes from the beach, Hanna Park, Mayport, shopping, dining, and more, this is coastal Jacksonville living without the coastal price tag. Searching for a 3-bedroom family friendly townhome -this is THE ONE!

Cost to own

Mortgage calculator

Home Price

$329,990

Down Payment: 20%

$65,998

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,705

Principal & Interest: $1,705

Property taxes (est.): $539

Insurance (est.): $220

Estimated Total Monthly

$2,464

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,705

Property taxesest. at asking price, Duval County$539

HOAbilled monthly$315

Estimated total, before insurance$2,559/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,838/yr · $486/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

2025 property taxes (current owner): $5,838/yr

Estimated taxes if purchased at asking price: ~$6,500/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, NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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 2022)

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

Solar potential: ~1,550 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 September 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