Pablo Beach South

1306 S 1ST ST

Jacksonville Beach, FL 32250
For Sale $775,000
3 bd · 3 ba · 1,225 sqft · Built 2019
Not in an HOA — no homeowners association or mandatory dues
Bryce Spraggins — The HOA Collective
Schedule a Showing

Pick a time that works and it's booked — no phone tag.

Call or Text 904-747-1HOA

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of PONTE VEDRA CLUB REALTY, INC. (shellsellsFL@gmail.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

This Oceanview half of duplex building in desirable Jacksonville Beach was built in 2019 and is an amazing investment opportunity. There are no HOA or CDD fees and no minimum rental restrictions. Live in this side of the duplex or rent it short-term or long-term. The 3 story townhome is conveniently across the street from the Atlantic Ocean and a short walk or bike ride to Huguenot Park, shopping, restaurants, and nightlife. The townhome features an oversized 1 car garage, 3 bedrooms, 2.5 bathrooms, and a fenced in paver patio. This side of the duplex offers incredible ocean views from both the 2nd and 3rd Floors, white shaker cabinets, quartz countertops, stainless steel appliances, laminate flooring throughout, custom closet built-ins, tankless water heaters, reverse osmosis, water filtration system, and brand new dehumidifier. Soak in the ocean air from the 2nd floor balcony. The first floor is concrete block construction. This townhome is a unique opportunity and a must see!

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $27,125
$7,567/mo
Principal & interest$5,227
Property tax (est.)$942
Insurance (est.)$581
FHA MIP$343
HOA dues$474
CDD assessment$0
Cash to close: ~$27,125 down · MIP financed
VA
$0 down
$7,435/mo
Principal & interest$5,438
Property tax (est.)$942
Insurance (est.)$581
VA fee (financed)$0
HOA dues$474
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $155,000
$6,256/mo
Principal & interest$4,259
Property tax (est.)$942
Insurance (est.)$581
PMI$0
HOA dues$474
CDD assessment$0
Cash to close: ~$155,000 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.86% effective millage, plus actual HOA. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2019
Heated area1,225 sq ft
Lot size1,204 sq ft
SubdivisionPABLO BEACH SOUTH
Parcel (RE#)176251-0490
Legal description3-28 04-3S-29E .030

Valuation · 2025

Value

Just / Market
$775,000
Assessed
$680,789
Taxable
$680,789
2025 Property Tax
$12,642
Homestead Exemption
No

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

Homeowners Association
None
HOA Dues
$0

This property is not part of a homeowners association (HOA) — there are no mandatory HOA dues or CC&R covenants. Any CDD assessment, if applicable, would still appear on the annual county tax bill.

History

Sale History

No recorded sale history is on file for this property.

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Beaches Energy Services
💧 Water
City of Jacksonville Beach
🚽 Sewer
City of Jacksonville Beach

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Elementary (zoned)
Middle (zoned)
High (zoned)

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Public Records

Crime Reports Near 1306 S 1ST ST

38
incident reports recorded by the Jacksonville Sheriff's Office within 1 mile of Pablo Beach South, the 12 months ending July 31, 2026.

This is an area figure, not a figure about 1306 S 1ST ST. The HOA Collective does not rate addresses or neighborhoods and publishes no safety score. Reports are made to law enforcement rather than proven, are recorded at the hundred block rather than the exact address, and a circle takes in streets and businesses that have nothing to do with this home. Source: Jacksonville Sheriff's Office open data, updated daily. Search this address yourself →

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Pablo Beach South? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Pablo Beach South every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

Don't want to list? Get a cash offer from My Fair Market Offer.

My Fair Market Offer is our sister company and a direct cash home buyer in Jacksonville and NE Florida. Sell as-is with no repairs, no showings and no commission — useful if you need to close on a date certain. Same owner, same phone, no obligation either way.

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On the Market

Homes for Sale in Pablo Beach South

Other active MLS listings in Pablo Beach South.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

Is 1306 S 1ST ST in an HOA?
No. 1306 S 1ST ST is in Pablo Beach South (Duval County, FL), which is not a homeowners association. There are no mandatory HOA dues or CC&R covenants tied to this property.
What schools serve 1306 S 1ST ST?
The zoned public schools for 1306 S 1ST ST in Pablo Beach South are Seabreeze Elementary (elementary), Duncan U Fletcher MS (middle), Duncan Fletcher HS (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 1306 S 1ST ST?
The most recent annual property tax for 1306 S 1ST ST is about $12,642 (2025 tax year). Any CDD assessment is billed in addition.
What is the HOA fee for 1306 S 1ST ST?
Homes in Pablo Beach South have an HOA fee of about $474 per month (based on recent MLS listings).
How big is 1306 S 1ST ST?
1306 S 1ST ST is a 1,225 sq ft home built in 2019 in Pablo Beach South, Duval County, FL.
What would the monthly payment be on 1306 S 1ST ST?
At about a 7.32% 30-year rate, the estimated monthly payment for 1306 S 1ST ST is roughly $6,256 with a conventional loan (20% down), $7,567 with FHA (3.5% down), or $7,435 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Pablo Beach South HOA. Use the payment calculator on this page to adjust the numbers.
Is 1306 S 1ST ST in a safe area?
The HOA Collective does not rate addresses or neighborhoods as safe or unsafe and publishes no safety score. For the surrounding area, the Jacksonville Sheriff's Office recorded 38 incident reports within 1 mile of Pablo Beach South, the community 1306 S 1ST ST sits in, during the 12 months ending July 31, 2026. Those are reports made to law enforcement rather than charges or convictions, they are recorded by hundred block rather than exact address, and the circle takes in streets and businesses unrelated to this home. The figure and its source are published at thehoacollective.com/communities/pablo-beach-south/1306-s-1st-st.

Property data is sourced from the Duval County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.