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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1052 Penman Road

Jacksonville Beach, FL 32250

$448,500$356/sqftEst. $2,318/moMLS# 2163833

Beds

Baths

1,260

Sq Ft

1976

Built

—

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$448,500

Down Payment: 20%

$89,700

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,318

Principal & Interest: $2,318

Property taxes (est.): $732

Insurance (est.): $299

Estimated Total Monthly

$3,349

*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$2,318

Property taxesest. at asking price, Duval County$732

Estimated total, before insurance$3,050/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).

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.

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.

History