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This home is in Jacksonville Beach — a home near Duncan U. Fletcher High School.

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Sold

Sold·Closed Oct 8, 2026·1 day on market·Recent sales in Jacksonville Beach

1052 Penman Road

Jacksonville Beach, FL 32250

$448,500sold priceListed at $448,500 · 100% of asking$356/sqftMLS# 2163833

Beds

Baths

1,260

Sq Ft

1976

Built

—

Garage

Pool

FEMA Zone XNo HOA4,356 sqft lotSingle Family Residence1 story

About this home

Jacksonville Beach

Welcome to your Jacksonville Beach retreat! This 3 bedroom, 2 bathroom home offers comfort, style, and coastal living in a convenient location. Featuring a brand new A/C system, the spacious interior includes stainless steel kitchen appliances and a functional layout ideal for everyday living and entertaining. Outside, enjoy a circle driveway, French doors leading to the patio, a landscaped backyard with a fire pit and lanai, and an outdoor surfboard shower perfect after a day at the beach. Currently operating as both a vacation home and short term rental, this property offers flexibility for personal use or as an investment. Located near Tall Pines Park, Gonzales Park, the Jacksonville Beach Shopping District, and just steps from the beach.

Next steps in Jacksonville Beach

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$2,465

Property taxesest. at asking price, Duval County$732

Estimated total, before insurance$3,197/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,910/yr · $576/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).

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: Shingle — year not disclosed (home built 1976)

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: ~1,691 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.

Closest beach parking
11th Ave N
about 1.0 mi · 33 parking spaces
Closest park or preserve
Dutton Island Preserve
about 3 mi · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)
about 4 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Castaway Island Preserve Kayak Dock
about 1 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Gonzales Park
about 0.7 mi · Soccer
Closest grocery store
Publix
about 1 mi · 408 Beach Blvd, Jacksonville Beach

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

West-facing backyard — the sunset lot

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

Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
Morning coffee happens in shade; the front of the home takes the sunrise.

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

Year	Market value	Taxable value	Change
2025	$374,626	$374,626	—
2024	$386,783	$247,972	—
2023	$389,087	$239,294	—
2022	$364,364	$230,868	—
2021	$272,688	$222,688	—
2020	$217,288	$167,288	—

2025 property taxes (current owner): $6,910/yr

Estimated taxes if purchased at asking price: ~$8,800/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 11, 2026Closed$448,500
Sep 10, 2026Active Under Contract$448,500
Sep 8, 2026Listed$448,500

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 $445/sq ft; this home is listed at $356/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
1206 17th Street N, Jacksonville Beach, FL 32250Listed by REAL BROKER LLC	Sep 2026	$750,000	$478	3/2	1,568	2	0.1
1201 9th Avenue N, Jacksonville Beach, FL 32250Listed by FLORIDA HOMES REALTY & MTG LLC	Aug 2026	$485,000	$361	3/2	1,345	23	0.2
16 San Pablo Circle S, Jacksonville Beach, FL 32250Listed by ORENDER GROUP LLC	Aug 2026	$705,000	$445	3/3	1,585	11	0.2
1203 13th Avenue N, Jacksonville Beach, FL 32250Listed by NAVY TO NAVY HOMES LLC	Sep 2026	$435,000	$432	3/1.5	1,008	2	0.3
1031 24th Street N, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY	Oct 2026	$575,000	$413	3/2	1,393	101	0.4
909 7th Avenue N, Jacksonville Beach, FL 32250Listed by COLDWELL BANKER VANGUARD REALTY	Sep 2026	$490,000	$495	2/1	990	1	0.4

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$448,500

Price / Sq Ft$356

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,260

Acres0.10 acres

Year Built1976

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusClosed

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementarySan Pablo

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address1052 Penman Road, Jacksonville Beach, FL 32250

Area213-Jacksonville Beach-NW

SubdivisionJacksonville Beach

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size4,356 sq ft

Parcel Number1791360000

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingCircular Driveway

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom - Shower No Tub, Walk-In Closet(s), Other

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Patio / PorchFront Porch, Patio

RoofShingle

Additional Information

Date ListedSeptember 8, 2026

Days on Market1

Tax Amount$6,910.05

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: FLUID REALTY, LLC.

Sold by: UNITED REAL ESTATE GALLERY (buyer's brokerage)

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.

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