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

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Active

Active·1 day on market

227 40th Avenue S

Jacksonville Beach, FL 32250

$1,775,000$545/sqftEst. $9,172/moMLS# 2163542

Beds

Baths

3,258

Sq Ft

2012

Built

Garage

Pool

About this home

Jacksonville Beach

OPEN HOUSE, 9/5, 11am-2pm. Steps to the sand in coveted Avalon, East of 3rd Street! This light & bright 3,258 sq ft coastal home sits just 2 walkable blocks to the Atlantic Ocean in Jacksonville Beach, Florida. Featuring 5 bedrooms, 4 baths, a first-floor bedroom & bath, and a state-of-the-art home elevator, this move-in-ready residence also boasts an oversized upstairs bonus room with full bath, ideal as a media room, gym, or guest suite. Sip coffee on your private primary balcony, walk to the ocean for sunrise, or golf-cart to Ponte Vedra Inn & Club for golf and fitness. Recent upgrades include 2 newer AC units, a tankless water heater, metal roof, EV charger, and fresh interior paint. The fenced backyard offers room for a pool. NO HOA & NO rental restrictions make this a rare find as a primary, luxury second home, or investment property. Just 4.5 miles to Mayo Clinic. Don't miss this coastal lifestyle opportunity in one of Jax Beach's most sought-after walk-to-beach neighborhoods!

Cost to own

Mortgage calculator

Home Price

$1,775,000

Down Payment: 20%

$355,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$9,172

Principal & Interest: $9,172

Property taxes (est.): $2,898

Insurance (est.): $1,183

Estimated Total Monthly

$13,254

*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$9,172

Property taxesest. at asking price, Duval County$2,898

Estimated total, before insurance$12,071/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,852/yr · $1,071/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

Year	Market value	Taxable value	Change
2025	$1,272,547	$687,909	—
2024	$1,414,502	$667,815	▼ $137
2023	$1,019,419	$646,908	—
2022	$977,582	$626,610	—
2021	$656,903	$606,903	—
2020	$679,136	$629,136	—

2025 property taxes (current owner): $12,852/yr

Estimated taxes if purchased at asking price: ~$34,800/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 (2025), NEFMLS.

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: Metal — year not disclosed (home built 2012)

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: ~1,776 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

Price & status history

Sep 4, 2026Listed$1,775,000

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

Features

Price$1,775,000

Price / Sq Ft$545

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,258

Acres0.12 acres

Year Built2012

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementarySeabreeze

MiddleFletcher Jr High

HighDuncan Fletcher

Community Information

Address227 40th Avenue S, Jacksonville Beach, FL 32250

Area212-Jacksonville Beach-SE

SubdivisionAvalon

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size5,227.2 sq ft

Lot Dimensions60x85

Parcel Number1804160040

ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Electric Vehicle Charging Station(s), Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Elevator, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundrySink, Upper Level

SecuritySecurity System Owned, Smoke Detector(s)