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This home is in Pablo Beach North, Jacksonville Beach.

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Active

Active·1 day on market·Pablo Beach North

1413 4th Street N

Jacksonville Beach, FL 32250

$475,000$419/sqftEst. $2,631/moMLS# 2169774
2
Beds
1.5
Baths
1,134
Sq Ft
1974
Built
—
Garage
No
Pool

9 more homes for sale in Pablo Beach North →Search Pablo Beach North on the map

FEMA Zone XNo HOA1,307 sqft lotTownhouse2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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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 North

Updated Townhome with NO HOA just 3 blocks to the Ocean! Live the Beach Lifestyle in this low maintenance home! New Cabinets, Quartz Countertops. New Applicances, Updated Flooring ! Bathrooms Updated and Move in Ready! Home can come fully furnished! Use as a Primary home or a Vacation Rental !

Next steps in Pablo Beach North

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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$2,631
Property taxesest. at asking price, Duval County$776
Estimated total, before insurance$3,407/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,537/yr · $461/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

$475,000
$95,000
Loan Term
Monthly Payment
$2,631
Principal & Interest: $2,631
Property taxes (est.): $776
Insurance (est.): $317
Estimated Total Monthly
$3,723
*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 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: material not specified — year not disclosed (home built 1974)

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

Solar potential: ~1,719 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.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,537/yr

Estimated taxes if purchased at asking price: ~$9,300/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 17, 2026Listed$475,000

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 $619/sq ft; this home is listed at $419/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
320 13th Avenue, Jacksonville Beach, FL 32250Listed by RE/MAX UNLIMITEDJul 2026$380,000$3422/1.51,110830.1
1030 4th Street 1B, Jacksonville Beach, FL 32250Listed by PURSUIT REAL ESTATE, LLCJun 2026$329,000$3452/295460.3
1901 1st Street N 1701, Jacksonville Beach, FL 32250Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$875,000$7222/21,212340.4
1901 1st Street N 902, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSMay 2026$808,800$6672/21,212690.4
1901 1st Street N 1405, Jacksonville Beach, FL 32250Listed by CHAD AND SANDY REAL ESTATE GROUPMay 2026$750,000$6192/21,21220.4
525 3rd Street N 315, Jacksonville Beach, FL 32250Listed by REAL BROKER LLCJun 2026$465,000$3392/21,373510.6

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$475,000
Price / Sq Ft$419
Bedrooms2
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage1,134
Acres0.03 acres
Year Built1974
TypeResidential
Sub-TypeTownhouse
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address1413 4th Street N, Jacksonville Beach, FL 32250
Area213-Jacksonville Beach-NW
SubdivisionPablo Beach North
CityJacksonville Beach
CountyDuval
StateFL
Zip Code32250
Lot Size1,306.8 sq ft
Parcel Number1746870610
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Water Available
Water SourcePublic
ParkingOff Street

Interior

AppliancesDishwasher, Dryer, Electric Oven, Microwave, Washer
HeatingCentral
CoolingCentral Air
# of Stories2
LaundryIn Unit

Exterior

Road FrontageCity Street

Additional Information

Date ListedOctober 17, 2026
Days on Market0
Tax Amount$5,537.3
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 North

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

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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

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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