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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 Pablo Beach South, Jacksonville Beach.

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Active

Active·1 day on market·Pablo Beach South

1316 1st Street S

Jacksonville Beach, FL 32250

$795,000$872/sqftEst. $4,404/moMLS# 2169408
↓ $55,000 below original list
2
Beds
1
Baths
912
Sq Ft
1938
Built
—
Garage
No
Pool

27 more homes for sale in Pablo Beach South →Search Pablo Beach South on the map

FEMA Zone AENo HOA2,178 sqft lotSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Pablo Beach South

Beach days don't have to be a vacation. They can be your everyday life! Directly across from the ocean on First Street, this charming two-bedroom, two-full-bath bungalow offers an exciting opportunity to own a beachside home at an approachable price. With public beach access just steps away, morning walks along the shore and spontaneous afternoons in the sand become part of your daily routine. Full of coastal cottage character, this inviting home offers comfortable living spaces and a delightful backyard with a paver area and covered patio, perfect for coffee before the beach, dinner with friends, or unwinding after a day in the sun. Whether you're looking for a full-time home or a weekend escape, the appeal is simple: your own beach bungalow in a location you'll love coming home to. Come see how close your next chapter could be to the ocean. Original wood floors add to the home's authentic charm and offer the opportunity to refresh them to your taste.

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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 · 7.4% · 30yr$4,404
Property taxesest. at asking price, Duval County$1,298
Estimated total, before insurance$5,702/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,770/yr · $814/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$795,000
$159,000
Loan Term
Monthly Payment
$4,404
Principal & Interest: $4,404
Property taxes (est.): $1,298
Insurance (est.): $530
Estimated Total Monthly
$6,232
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 1938)

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

Solar potential: ~1,754 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 October 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

2025 property taxes (current owner): $9,770/yr

Estimated taxes if purchased at asking price: ~$15,600/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, NEFMLS.

History

Price & status history

  • Oct 16, 2026Price change$795,000−$55,000
  • Oct 15, 2026Listed$850,000

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 $507/sq ft; this home is listed at $872/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
138 12th Avenue S, Jacksonville Beach, FL 32250Listed by DIAMOND LIFE REALTY LLCSep 2026$785,000$7762/1.51,011110.1
1318 6th Street S, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDESep 2026$455,000$4742/2960680.3
409 16th Avenue S, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJan 2026$525,000$4672/11,123200.3
2202 Gail Avenue, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$625,000$6872/1910220.4
31 Burling Way, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$520,000$5073/1.51,026880.7
614 3rd Avenue S, Jacksonville Beach, FL 32250Listed by ROUND TABLE REALTYJul 2026$372,000$4513/1825250.8

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

Price$795,000
Price / Sq Ft$872
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage912
Acres0.05 acres
Year Built1938
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

Community Information

Address1316 1st Street S, Jacksonville Beach, FL 32250
Area212-Jacksonville Beach-SE
SubdivisionPablo Beach South
CityJacksonville Beach
CountyDuval
StateFL
Zip Code32250
Lot Size2,178 sq ft
Parcel Number1762610000

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingCarport, Detached

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Primary Downstairs
AppliancesDishwasher, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringWood
# of Stories1
LaundryIn Unit

Exterior

Exterior FeaturesCourtyard
Lot DescriptionCorner Lot, Irregular Lot
Patio / PorchCovered, Deck, Front Porch, Glass Enclosed, Patio, Porch, Rear Porch
ConstructionFrame, Vinyl Siding

Additional Information

Date ListedOctober 15, 2026
Days on Market1
Tax Amount$9,770.19
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

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 South

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

View all Pablo Beach South 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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