This home is in Jacksonville Beach.
Active·1 day on market
1091 13th Street N
Jacksonville Beach, FL 32250
About this home
Jacksonville Beach
Imagine waking up every morning and stepping right out onto your own private owner's balcony! You have to see this incredible Jacksonville Beach stunner with it's thoughtful floor plan, updated kitchen and bathrooms, very large primary bedroom with a walk-in closet, and 3 outdoor porches that have all been impeccably maintained! You can enjoy the western sunsets from the front and the eastern sunrise from your private backyard. Additional features include an outdoor dining area, hardwood flooring, landscaping, and grading. With just a short bike ride or drive to the beachfront, Metro Diner, Beaches Town Center, and more...this home really is the spot for the perfect Jacksonville Beach lifestyle. Sellers are offering a 1 year home warranty!
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 (that applies to the reference bill above too).
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 — 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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 1991)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,682 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 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $544,206 | $331,218 | — |
| 2024 | $519,860 | $321,176 | ▲ $65,504 |
| 2023 | $463,044 | $310,366 | — |
| 2022 | $434,918 | $299,870 | — |
| 2021 | $343,101 | $289,680 | — |
| 2020 | $335,718 | $284,991 | — |
2025 property taxes (current owner): $6,273/yr
Estimated taxes if purchased at asking price: ~$15,100/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
- Sep 17, 2026Listed$769,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS JACKSONVILLE · nickwalkerjones@kw.com
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.
Keep looking
More homes in Jacksonville Beach
For Sale1091 13th Street NJacksonville Beach, FL 32250
4 bd · 2 ba · 2,086 sq ft
$770,000Est. $4,098/moRecent price correction on a Jacksonville Beach gem! This spacious 4 bedroom, 2 bathroom home offers the seamless blend…
Listing Office: keller williams jacksonville
For SaleIncome
214 13th Avenue NJacksonville Beach, FL 32250
4 bd · 3 ba · 1,407 sq ft
$778,000Est. $4,141/moCatch the ocean breeze from a premier location East of A1A positioned just steps from the ocean and minutes from both…
Listing Office: compass florida llc
For Sale1520 Republic DriveJacksonville Beach, FL 32250
3 bd · 2 ba · 1,372 sq ft
$749,000Est. $3,986/moWelcome to your private Jacksonville Beach oasis--a completely renovated pool home where coastal style, privacy, and…
Listing Office: compass florida llc
For Sale745 Penman RoadJacksonville Beach, FL 32250
3 bd · 2 ba · 1,808 sq ft
$729,900Est. $3,885/moPREFERRED LENDER INCENTIVE OFFERED UP TO 1% OF LOAN AMOUNT! Jacksonville Beach home for sale! Built in 2019, this…
Listing Office: keller williams realty atlantic partners
Keep looking
Similar homes in Jacksonville Beach
Explore the area
More in Jacksonville Beach
Jacksonville Beach guides & reports
Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
Open Houses
9/26/2026
1:00 pm - 3:00 pm
9/27/2026
1:00 pm - 3:00 pm