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

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Active·Listed today

1010 4th Street N

Jacksonville Beach, FL 32250

$545,000$248/sqftEst. $2,886/moMLS# 2165286

Beds

Baths

2,200

Sq Ft

1939

Built

—

Garage

Pool

About this home

Jacksonville Beach

Opportunity abounds for this beach bungalow only 4 blocks to the ocean. This property has a 3/2 main house with attached 1/1 Apartment and 300sf workshop/storage area. Most recently it been used as an income producing property generating 3,600 per month between the two units. With its RM-1 zoning, other options may include building two new construction townhomes or a single family residence. Zoning permits some conditional commercial uses as well as well as vacation rentals. Please confirm with the City of Jax. Beach for appropriate uses. Walkable location, convenient to shops and restaurants, and of course Jacksonville Beach and all its local events. One bedroom does not conform.

Cost to own

Mortgage calculator

Home Price

$545,000

Down Payment: 20%

$109,000

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,886

Principal & Interest: $2,886

Property taxes (est.): $890

Insurance (est.): $363

Estimated Total Monthly

$4,139

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 · 6.95% · 30yr$2,886

Property taxesest. at asking price, Duval County$890

Estimated total, before insurance$3,776/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.

Storms & insurance

Florida Reality Check

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

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Shingle — year not disclosed (home built 1939)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,773 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

Price & status history

Sep 17, 2026Listed$545,000

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

Features

Price$545,000

Price / Sq Ft$248

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,200

Total Structure Area2,497 sq ft

Acres0.14 acres

Year Built1939

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementarySan Pablo

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address1010 4th Street N, Jacksonville Beach, FL 32250

Area213-Jacksonville Beach-NW

SubdivisionPablo Beach North

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size6,098.4 sq ft

Lot Dimensions62.50' x 100'

Parcel Number1745480000

ZoningMulti Family

Amenities

UtilitiesElectricity Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingCarport

Interior

AppliancesDishwasher, Electric Range, Refrigerator

HeatingHeat Pump

CoolingWall/Window Unit(s)

FlooringConcrete, Wood

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

Exterior

FencingBack Yard, Privacy, Vinyl, Wood

RoofShingle

ConstructionConcrete, Fiber Cement

Additional Information

Date ListedSeptember 17, 2026

Days on Market1

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: MASH REALTY SERVICES, LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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