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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Active

$969,0003 bd · 3.5 ba · 2,028 sq ft

Active·45 days on market·Southwind

2072 Gail Avenue

Jacksonville Beach, FL 32250

$969,000$478/sqftEst. $5,283/mo mortgageMLS# 2165517
↓ $3,000 below original listOpen house Sat, Nov 14 · 2:00 pm–6:00 pm
3
Beds
3.5
Baths
2,028
Sq Ft
2022
Built
1
Garage
No
Pool

2 more homes for sale in Southwind →Search Southwind on the map

FEMA Zone AENo HOATownhouse3 stories

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About this home

Southwind

SELLER NOW OFFERING 1% towards buyer's closing costs/rate buydown! Beach days, rental income, and effortless coastal style--this beautifully appointed 2022-built townhome puts you just three blocks from the sand in the heart of Jacksonville Beach. With 2,028 square feet across three levels, this Southwind standout features 3 bedrooms and 3.5 baths, offering plenty of room for relaxing, hosting, and extended stays. Bright, light-filled interiors create an inviting beach-house feel, while the contemporary kitchen brings the wow factor with a large gathering island, farmhouse sink, sleek finishes, and statement backsplash. Enjoy upgraded baths, a spacious walk-in closet, in-unit laundry, ample storage, and a one-car garage. Walk or bike to the beach, new nearby restaurants, shopping, entertainment, and Jacksonville Beach's exciting boardwalk activation plans.

Next steps in Southwind

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$5,283
Property taxesest. at asking price, Duval County$1,582
Estimated total, before insurance$6,865/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$969,000
$193,800
Loan Term
Monthly Payment
$5,283
Principal & Interest: $5,283
Property taxes (est.): $1,582
Insurance (est.): $646
Estimated Total Monthly
$7,511
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

Storms & insurance

Florida Reality Check

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

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: material not specified — year not disclosed (home built 2022)

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: ~1,769 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, 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.

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 6:41 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

  • Nov 2, 2026Price change$969,000−$3,000
  • Sep 19, 2026Active$972,000
  • Aug 28, 2026Listed$972,000

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 $438/sq ft; this home is listed at $478/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1867 S 2nd Street S, Jacksonville Beach, FL 32250Listed by WATSON REALTY CORPSep 2026$660,000$4373/2.51,512160.1
2149 2nd Street S, Jacksonville Beach, FL 32250Listed by NOMAD REALTYJul 2026$615,000$4153/2.51,482460.1
1951 Ocean Drive S 2A, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$1,192,500$7013/21,700710.2
1505 1st Street S 401, Jacksonville Beach, FL 32250Listed by HERRON REAL ESTATE LLCOct 2026$1,595,000$6793/32,3501490.3
1510 1st Street S, Jacksonville Beach, FL 32250Listed by SELECT REALTY LLCOct 2026$687,500$4103/2.51,6782660.3
319 St Augustine Boulevard, Jacksonville Beach, FL 32250Listed by ORENDER GROUP LLCOct 2026$1,025,000$4383/3.52,339190.3

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$969,000
Price / Sq Ft$478
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,028
Year Built2022
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

Community Information

Address2072 Gail Avenue, Jacksonville Beach, FL 32250
Area212-Jacksonville Beach-SE
SubdivisionSouthwind
CityJacksonville Beach
CountyDuval
StateFL
Zip Code32250
Parcel Number1794371010

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Off Street

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air, Split System
FlooringCarpet, Laminate, Tile
# of Stories3
LevelsThree Or More
LaundryIn Unit, Upper Level
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Exterior FeaturesBalcony
Lot DescriptionDead End Street
Patio / PorchRear Porch
FencingFenced
Road FrontageCity Street

Additional Information

Date ListedSeptember 19, 2026
Days on Market45
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY 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 Southwind

Southwind is a neighborhood in Jacksonville Beach, FL (Duval County), ZIP 32250.

View all Southwind homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

11/14/2026

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