Townhouse in Jacksonville Beach · No CDD · FEMA Zone X
Jacksonville Beach · Jacksonville Beach, FL 32250 · Duval
Listing data updated July 10, 2026 · refreshed twice daily
3Bedrooms
3.5Bathrooms
1,554Sq Ft
2015Year Built
$557Per Sq Ft
1-car garageNo CDDFEMA Zone X
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 2015 · 11 yrs
1,554 sq ft of living area
1-car garage
$557/sq ft — compared with the displayed median of $422 from recent nearby sales
Listed at $865,000 — recent neighborhood median sale price ~$600,500 (nearby sales; deemed reliable, not an appraisal)
14 days on market
HOA ~$50/mo (estimate; confirm)
School district: Schools Jacksonville Beach is part of Duval County Public SchoolsCommunity built 1933–2026Relish - Big Tasty Burgers! - Jax Beach · 1 min driveJax Beach · 1 min driveJax Beach Art Walk · 2 min drive
This listing is shown at $865,000, with 3 bedrooms and 3.5 bathrooms, and 1,554 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms3
Bathrooms3.5
Living area1,554 sq ft
Year built2015
Property typeTownhouse
Financial
Est. monthly payment$5,677
Est. taxes / yr~$9,861
Est. insurance / yr~$3,524
HOA$50/mo
CDDNone on record
Price / sq ft$557
Risk
Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~9 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$3,524/yr
Market
Days on market14
Neighborhood median DOM48
Active listings (area)11
Months of supply3.6
Comparable-sales median$600,500
This home14d
Area median48d
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$3,524/yr
Estimated homeowners premium; get a real quote.
Months of supply
3.6 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
40/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$5,677/mo
Principal & interest $4,511/mo79%
Taxes $822/mo14%
Insurance $294/mo5%
HOA $50/mo1%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
39/100
Strongest on: Flood safety (90), Insurance cost (79)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.
Price vs area0
This home $557/sq ft vs area median $422/sq ft from recent nearby sales.
Affordability0
List price $865,000 vs area median $600,500. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~9 ft elevation. Verify the parcel with FEMA.
Insurance cost79
From FEMA Zone X and a 2015 build. Obtain a property-specific quote.
Market liquidity59
Area median 48 days on market, ~3.6 months of supply.
Investment metrics36
Objective supply and demand metrics for the area - not investment advice.
Renovation upside11
From a 2015 build and $557/sq ft vs area $422/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Listing facts & disclosures
$865,000
List price
As listed in the MLS
3 / 3.5
Bed / bath
Per the listing
1,554
Living area
Sq ft (approx.)
$557
Price / sq ft
List ÷ living area
The home
Year built2015
Per public record.
Property typeTownhouse
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$9,861/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~9 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $495,726 – $744,366
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$495,726the mess$744,366
Actual list price: $865,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 50% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 14 days on market vs. a ~48-day neighborhood median
11 active listings competing in Jacksonville Beach
2 under contract now
15% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈3.6 months of supply (one market-context metric; should not be used alone)
2 new-construction homes competing
Median sale price is up 99% over the last 140 months
Homes here sell at about 97.8% of list price
37 closed here in the last 12 months
For reference, this home is listed at $865,000 ($557/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,554 sq ft × $319–$479/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 10, 2026.
Market analysis
Jacksonville Beach market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
11Active listings
2Under contract
2New this month
3.6Months of supply
48Median days on market
15%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Property timeline
This home’s history
2015BuiltPer public record
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$3,965 – $5,767/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,826 – −$204At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$865,000
Bed / bath3 / 3.5
Living area1,554 sq ft
Year built2015
Property typeTownhouse
MLS #2153953
Listing status14 days on market
Days on market14
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~9 ft
CountyDuval
Estimated first-year tax~$9,861/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$557
Estimated monthly payment$5,677
Estimated insurance~$3,524/yr
Messtimate range$495,726 – $744,366
Comparable-sales median$600,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$5,677
Principal & interest$4,511
Property tax$822
Insurance$294
CDD assessment$0
HOA$50
PMI$0
Down payment $173,000 · Loan $692,000. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$9,861/yr
The seller likely pays less due to the homestead cap. At a $865,000 purchase, expect your first full-year Duval bill near $9,861 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$3,524/yr
Estimate for a 2015 build in Duval. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~9 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Jacksonville Beach
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Jacksonville Beach neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Median sale price (set)
$600,500
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$422
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$557
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Jacksonville Beach
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Jax Beach Art Walk 2 min
Dining
Relish - Big Tasty Burgers! - Jax Beach 1 min
Shopping
Middle Beach Commons 3 min
Parks
Jax Beach 1 min
In the area
Recent Jacksonville Beach news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Mar 2026 · Development
City issues RFP for mixed-use redevelopment of Latham Plaza parking lot
Jacksonville Beach announced it would issue a request for proposals on March 18 for a public-private partnership to redevelop the city-owned parking lot south of Latham Plaza in the downtown district. The city is seeking a mixed-use project combining new public parking with commercial uses, with a pre-proposal meeting set for mid-April and proposal rankings expected by late July.
Why it matters: A structured redevelopment process for a prominent downtown parcel could add commercial space and parking capacity near the oceanfront, a combination that historically influences activity in the surrounding blocks.
Alder & Oak plans second restaurant in downtown Jacksonville Beach
Restaurateur Mark Janasik is opening a second Alder & Oak in the former Jekyll Brewery space at 131 First Ave. N., next to his Oaxaca Club. The Mediterranean concept will feature a seafood-leaning menu and a rooftop Zorba's Terrace overlooking First and Second streets, with construction set to begin in July or August.
Why it matters: An established operator backfilling a closed brewery space may signal continued restaurant demand in the downtown beach blocks despite recent tenant turnover.
Seasonal paid parking program returns March 6 in beach-area lots
Jacksonville Beach's seasonal paid parking program resumed March 6 and runs through Nov. 1, covering select beach-area lots including Latham Plaza and the pier lot plus several on-street zones. Enforcement applies on weekends, select holidays and special events, with rates of $4 for the first two hours up to a $12 daily maximum.
Why it matters: Formalized seasonal parking management may shift visitor circulation patterns near the oceanfront and is a factor buyers of close-in properties could weigh.
Grouper Shack restaurant, bar and market opens on Third Street
Grouper Shack opened Dec. 20 at 1700 Third St. in the space formerly occupied by The Bearded Pig barbecue restaurant. The concept combines a seafood restaurant and bar with a market component along the city's main commercial corridor.
Why it matters: Quick re-tenanting of a vacated restaurant space on Third Street may point to healthy operator demand along the corridor that serves much of the city's housing.
Schools currently assigned to this address in Duval County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
San Pablo Elementary SchoolPublic K-5 · Duval County School District
Duncan U. Fletcher Middle SchoolPublic 6-8 · Duval County School District
Duncan U. Fletcher High SchoolPublic 9-12 · Duval County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Mar 2026
$577,000
1009 21ST Street, Jacksonville Beach
3 / 2 bd/ba · 1,554 sq ft · $371/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS · View details →
Sold Apr 2026
$410,000
851 6TH Avenue, Jacksonville Beach
3 / 2.5 bd/ba · 1,705 sq ft · $240/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE · View details →
Sold Feb 2026
$660,000
2354 SOUTH BEACH Parkway, Jacksonville Beach
3 / 2 bd/ba · 1,394 sq ft · $473/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Sold Apr 2026
$1,200,000
22 20TH Avenue, Jacksonville Beach
3 / 2 bd/ba · 1,802 sq ft · $666/sq ft
Courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · View details →
Sold Mar 2026
$590,000
836 15TH Avenue, Jacksonville Beach
3 / 2 bd/ba · 1,232 sq ft · $479/sq ft
Courtesy of YOUR PROPERTY REALTY LLC · View details →
Median of the set: $422/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Keep looking
Similar homes for sale near Jacksonville Beach
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Listing description
About this home
Discover your own beach hideaway just half block from the ocean! This beautifully maintained three-level townhome offers the perfect blend of coastal charm and modern comfort. Featuring new HVAC system and meticulous upkeep, this move-in-ready home is ideal as a primary residence, second home, or weekend retreat. Enjoy an open, inviting layout and all the benefits of living just steps from the beach, with nearby restaurants, shopping, and local attractions. As an added bonus, the property has a successful history as a short-term rental, offering flexibility and income potential for the the future owner. Discover your own beach hideaway just a half block from the ocean! This beautifully maintained three-level townhome offers the perfect blend of coastal charm and modern comfort. Featuring new HVAC system and meticulous upkeep, this move-in-ready home is ideal as a primary residence, second home, or weekend retreat. Enjoy an open, inviting layout and all the benefits of living just steps from the beach, with nearby restaurants, shopping, and local attractions. As an added bonus, the property has a successful history as a short-term rental, offering flexibility and income potential for future owners if desired.
Description provided by OCEAN ONE REAL ESTATE GROUP LLC and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms3
Bathrooms3.5
Living area1,554 sq ft
Exterior & lot
TypeTownhouse
Systems
Year built2015
Age11 yrs
Listing
MLS #2153953
StatusActive
Days on market14
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Jacksonville Beach
Groceries, dining, and parks for this city — see the city guide.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $865,000Momentum Realty · on market 14 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 120 11TH Avenue in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
