This home is in Pablo Beach North, Jacksonville Beach — a home near Duncan U. Fletcher High School.
$545,000Active Under Contract4 bd · 3 ba · 2,200 sq ft
Active Under Contract·45 days on market·Pablo Beach North
1010 4th Street N
Jacksonville Beach, FL 32250
9 more homes for sale in Pablo Beach North →Search Pablo Beach North on the map
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About this home
Pablo Beach North
Opportunity abounds for this beach bungalow only 4 blocks to the ocean. With its RM-1 zoning, options other than its current use/structure 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. 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. Walkable location, convenient to shops and restaurants, and of course Jacksonville Beach and all its local events. One bedroom does not conform.
Next steps in Pablo Beach North
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 homeAs 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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 access
10th Ave Nabout 0.3 mi
Closest park or preserve
Dutton Island Preserve15 min drive · 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
Cradle Creek Preserve Kayak Launch (Long Portage!)about 2 mi · Cradle Creek - San Pablo Creek
Closest youth league fields
St. Paul's School Gym3 min drive · Basketball
Closest grocery store
Publix4 min drive · 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 6:40 AM, sunset 5:37 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.
History
Price & status history
- Oct 28, 2026Active Under Contract$545,000
- Sep 24, 2026Active$545,000
- Sep 19, 2026Active Under Contract$545,000
- Sep 17, 2026Listed$545,000
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 $478/sq ft; this home is listed at $248/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 524 16th Avenue N, Jacksonville Beach, FL 32250Listed by 1 PERCENT LISTS FIRST COAST | Sep 2026 | $735,000 | $460 | 4/3 | 1,598 | 8 | 0.4 |
| 1230 12th Street N, Jacksonville Beach, FL 32250Listed by BACHMANN HOMES REALTY, LLC | Oct 2026 | $1,230,000 | $487 | 4/3 | 2,525 | 14 | 0.5 |
| 1115 Palm Circle, Jacksonville Beach, FL 32250Listed by TRUDEALS REALTY CORP | Sep 2026 | $875,000 | $418 | 4/2 | 2,091 | 5 | 0.5 |
| 850 Holly Drive, Jacksonville Beach, FL 32250Listed by ORENDER GROUP LLC | Oct 2026 | $750,000 | $440 | 4/3 | 1,705 | 97 | 0.7 |
| 1914 1st Street, Neptune Beach, FL 32266Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $1,125,000 | $549 | 4/3 | 2,048 | 154 | 0.8 |
| 1206 17th Street N, Jacksonville Beach, FL 32250Listed by REAL BROKER LLC | Sep 2026 | $750,000 | $478 | 3/2 | 1,568 | 2 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MASH REALTY SERVICES, 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 Pablo Beach North
Pablo Beach North is a neighborhood in Jacksonville Beach, FL (Duval County), ZIP 32250.
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Krista Fracke
Broker Associate
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