Pablo Beach South

635 6TH

Jacksonville, FL
For Sale $389,900
Price cut $439,900 ↓ $50,000 (11.4%) Oct 6 · reduced 5×
2 bd · 2 ba
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 HOMEZU.COM OF FLORIDA (jason@homezu.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

Experience the best of Jacksonville Beach living in this fully renovated 2-bedroom, 2-bath townhouse just one block from the ocean. Offering 1,048 square feet of move-in-ready living space, this home features new flooring, fresh paint, a beautifully updated kitchen with new cabinetry, countertops, stainless steel appliances, modern lighting, and two renovated bathrooms. The bright, open layout is perfect for everyday living or entertaining. Relax on the welcoming front porch and enjoy the coastal breeze. Just a short walk to the beach, restaurants, coffee shops, shopping, parks, and nightlife, this home offers the ideal blend of modern updates and an unbeatable beachside location. Perfect as a primary residence, vacation home, or investment opportunity.

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 · $13,647
$4,003/mo
Principal & interest$2,630
Property tax (est.)$434
Insurance (est.)$292
FHA MIP$172
HOA dues$474
CDD assessment$0
Cash to close: ~$13,647 down · MIP financed
VA
$0 down
$3,936/mo
Principal & interest$2,736
Property tax (est.)$434
Insurance (est.)$292
VA fee (financed)$0
HOA dues$474
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $77,980
$3,343/mo
Principal & interest$2,143
Property tax (est.)$434
Insurance (est.)$292
PMI$0
HOA dues$474
CDD assessment$0
Cash to close: ~$77,980 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.85% 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
SubdivisionPABLO BEACH SOUTH
Parcel (RE#)176008-0020

Valuation

Value

Just / Market
$400,000
Assessed
—
Taxable
—
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
JEA
💧 Water
JEA
🚽 Sewer
JEA

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 635 6TH

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 635 6TH. 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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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 635 6TH in an HOA?
No. 635 6TH 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 635 6TH?
The zoned public schools for 635 6TH 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 is the HOA fee for 635 6TH?
Homes in Pablo Beach South have an HOA fee of about $474 per month (based on recent MLS listings).
What would the monthly payment be on 635 6TH?
At about a 7.32% 30-year rate, the estimated monthly payment for 635 6TH is roughly $3,343 with a conventional loan (20% down), $4,003 with FHA (3.5% down), or $3,936 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 635 6TH 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 635 6TH 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/635-6th.

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.