San Pablo Terrace
Homes for Sale in Jacksonville Beach, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
San Pablo Terrace is a condition-and-lot story, not a floor-plan story. With homes dating from 1936 to 2024 and a median build year of 1963, what sells a house here is how much work the seller has already done. The median sits at $620,000 and roughly $310 per square foot against a median of about 1,769 living square feet, but that median masks a wide spread between untouched original stock and rebuilt or newer construction. Price the renovation honestly and the number follows.
Posture is balanced, leaning cool. A median 15 days on market tells you well-prepared listings still move, but a market heat score of 37 and a slight year-over-year dip of 0.7% say this is not a runaway seller's market. Buyers have room to inspect and negotiate on anything that needs work; sellers who overprice against a top-of-the-range comp will sit. The Jacksonville Beach location does most of the heavy lifting on demand.
San Pablo Terrace right now
🟡 Off the recent peak. The trailing-12-month median ($620K) is down 0.7% from the prior 12 months ($624K). With about 4 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending July 11. Confidence: Low (3 and 5 sales in the two windows).
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Updated July 11, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
San Pablo Terrace market snapshot (as of July 11, 2026): the median sale price is about $620K ($310 per sq ft over the trailing 12 months of closed sales), and a median 15 days on market for closed sales. The trailing-12-month median is down 1% from the prior 12 months, computed from record-level realMLS closed sales (3 closings in the current window).
San Pablo Terrace is a community of 303 homes in Jacksonville Beach, Duval County, built between 1936 and 2024 (median 1963), with a median living area of about 1,769 square feet. 76% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
This is an established Jacksonville Beach pocket of about 303 homes with a heavy owner-occupant base — roughly 76% homestead — which keeps turnover measured and inventory from flooding at any one time.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 11 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($620K) IS the median in the snapshot above, and the move from 2025 ($624K) IS the -0.7% one-year change.
Windows contain 1 to 8 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Duval County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Duval County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
21% of homes for sale in ZIP 32250 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-10).
The renovation spread that runs this market
A nine-decade build range in one small community means two houses on the same street can trade very differently. The median year built of 1963 tells you the core of the stock is mid-century, with a modest thread of new construction running up to 2024. For buyers, that means the inspection matters more than the listing photos: systems, roof age, and prior updates drive value here far more than square footage alone. The median footprint is compact at around 1,769 square feet, so usable space and finish quality carry weight.
The high homestead share is the quieter signal. When most homes are owner-occupied, listings tend to arrive one at a time rather than in waves, and well-kept properties set the pace. That supports the 15-day median for move-in-ready homes while leaving fixer stock to negotiate. Sellers should lean into whatever work is done and documented; buyers should budget for the gap between a renovated comp and an original one.
Why work with Momentum here
In a community where price is dictated by condition and build era rather than a single template, our job is to comp with precision — separating the renovated sales from the as-is ones so you are not paying, or pricing, against the wrong house. On a cooler-leaning market like this, that discipline is the difference between a clean 15-day sale and a stale listing.
San Pablo Terrace in 15 seconds.
Tools for a San Pablo Terrace buy.
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Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed San Pablo Terrace sales matched to your home.
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Frequently Asked Questions
What is the median home price in San Pablo Terrace?
How long do homes in San Pablo Terrace take to sell?
How many homes are in San Pablo Terrace?
What share of San Pablo Terrace is owner-occupied?
When were the homes in San Pablo Terrace built?
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How do I find a top Jacksonville Beach real estate agent who knows San Pablo Terrace?
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Should you buy in San Pablo Terrace?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | realMLS closed sales, 12-month windows ending July 11, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (6 streets, ZIP 32250)) |
| Under-contract shares | realMLS records, as of 2026-07-10 |
| Historical depth | Closed-sale records back to 2001 (72 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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