Pablo Beach South

522 S 3RD AVE

Jacksonville Beach, FL 32250
For Sale $575,000
Price cut $599,000 ↓ $24,000 (4%) Sep 10
4 bd · 3 ba · 2,085 sqft · Built 1932
Not in an HOA — no homeowners association or mandatory dues
Bryce Spraggins — The HOA Collective
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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 KELLER WILLIAMS REALTY ATLANTIC PARTNERS (cody@thompsonbrotherhomes.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

Endless opportunity with this Jax Beach property just 5 blocks from the beach! Zoned residential/multi-family with zero rental restrictions. This 4 bedroom home features TWO primary ensuite bedrooms and 3 full bathrooms total. Plenty of storage for your bikes and surfboards in the attached storage shed. Centrally located, making it the perfect primary residence or vacation rental.

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 · $20,125
$5,717/mo
Principal & interest$3,878
Property tax (est.)$679
Insurance (est.)$431
FHA MIP$254
HOA dues$474
CDD assessment$0
Cash to close: ~$20,125 down · MIP financed
VA
$0 down
$5,619/mo
Principal & interest$4,035
Property tax (est.)$679
Insurance (est.)$431
VA fee (financed)$0
HOA dues$474
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $115,000
$4,744/mo
Principal & interest$3,160
Property tax (est.)$679
Insurance (est.)$431
PMI$0
HOA dues$474
CDD assessment$0
Cash to close: ~$115,000 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 built1932
Heated area2,085 sq ft
Lot size6,199 sq ft
SubdivisionPABLO BEACH SOUTH
Parcel (RE#)175825-0000
Legal description3-28 33-2S-29E

Valuation · 2025

Value

Just / Market
$575,000
Assessed
$452,769
Taxable
$452,769
2025 Property Tax
$8,407
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 522 S 3RD AVE

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 522 S 3RD AVE. 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

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Get a Cash Offer myfairmarketoffer.com

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 522 S 3RD AVE in an HOA?
No. 522 S 3RD AVE 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 522 S 3RD AVE?
The zoned public schools for 522 S 3RD AVE in Pablo Beach South are San Pablo 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 522 S 3RD AVE?
The most recent annual property tax for 522 S 3RD AVE is about $8,407 (2025 tax year). Any CDD assessment is billed in addition.
What is the HOA fee for 522 S 3RD AVE?
Homes in Pablo Beach South have an HOA fee of about $474 per month (based on recent MLS listings).
How big is 522 S 3RD AVE?
522 S 3RD AVE is a 2,085 sq ft home built in 1932 in Pablo Beach South, Duval County, FL.
What would the monthly payment be on 522 S 3RD AVE?
At about a 7.32% 30-year rate, the estimated monthly payment for 522 S 3RD AVE is roughly $4,744 with a conventional loan (20% down), $5,717 with FHA (3.5% down), or $5,619 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 522 S 3RD AVE 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 522 S 3RD AVE 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/522-s-3rd-ave.

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.