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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 Avalon, Jacksonville Beach — a home near Duncan U. Fletcher High School.

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Active

Active·48 days on market·Avalon

227 40th Avenue S

Jacksonville Beach, FL 32250

$1,725,000$529/sqftEst. $9,480/mo mortgageMLS# 2163542
↓ $50,000 below original list
5
Beds
4
Baths
3,258
Sq Ft
2012
Built
2
Garage
No
Pool

4 more homes for sale in Avalon →Search Avalon on the map

FEMA Zone XNo HOA5,227 sqft lotSingle Family Residence2 stories

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

About this home

Avalon

COASTAL VIBES OFF PONTE VEDRA BLVD -- The location cannot be beat! This 3,258 sq ft entertaining home is East of A1A, just 2 walkable blocks to the Atlantic Ocean & a quick golf cart ride to the Ponte Vedra Inn & Club. Featuring 5 bedrooms, 4 baths, which includes a 1st 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 rec room, gym, or inviting guest suite. Sip coffee on your private primary balcony, walk to the ocean to catch the sunrise or golf-cart to PV Inn & Club for golf & 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 or luxury second home. Just 4.5 miles to Mayo Clinic. Don't miss this opportunity in Avalon, one of the most sought-after walk-to-beach neighborhoods!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$9,480
Property taxesest. at asking price, Duval County$2,817
Estimated total, before insurance$12,296/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,725,000
$345,000
Loan Term
Monthly Payment
$9,480
Principal & Interest: $9,480
Property taxes (est.): $2,817
Insurance (est.): $1,150
Estimated Total Monthly
$13,446
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 — 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

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

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.

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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:33 AM, sunset 6:46 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
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: ~$33,800/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.

History

Price & status history

  • Oct 19, 2026Price change$1,725,000−$25,000
  • Sep 16, 2026Price change$1,750,000−$25,000
  • Sep 4, 2026Listed$1,775,000

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 $901/sq ft; this home is listed at $529/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
141 35th Avenue S, Jacksonville Beach, FL 32250Listed by COMPASS FLORIDA LLCOct 2026$3,495,000$9015/4.53,878920.2
4108 Duval Drive, Jacksonville Beach, FL 32250Listed by BERRY & CO. REAL ESTATESep 2026$3,800,000$1,3454/32,826170.3
3629 Ocean Drive S, Jacksonville Beach, FL 32250Listed by COMPASS FLORIDA LLCJun 2026$5,300,000$1,3474/4.53,93600.3
3635 Paradise Way, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$1,895,000$6793/3.52,790180.4
4 Summer Court, Jacksonville Beach, FL 32250Listed by CATTAR REALTY, INC.Sep 2026$3,000,000$7234/4.54,1502930.4
259 32nd Avenue S, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$1,075,000$4334/32,4842380.4

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$1,725,000
Price / Sq Ft$529
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

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)

Exterior

Exterior FeaturesBalcony, Outdoor Shower, Storm Shutters, Other
Lot DescriptionCul-De-Sac, Dead End Street, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Rear Porch
FencingFenced, Back Yard
RoofMetal
ConstructionComposition Siding, Frame

Additional Information

Date ListedSeptember 4, 2026
Days on Market45
Tax Amount$12,851.77
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COMPASS FLORIDA LLC

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 Avalon

Avalon is a neighborhood in Ponte Vedra Beach, FL (Duval County), ZIP 32250.

View all Avalon 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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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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