Pablo Beach South

820 S 3RD AVE

Jacksonville Beach, FL 32250
For Sale $539,000
Price cut $599,000 ↓ $60,000 (10%) Oct 9 · reduced 3×
4 bd · 3 ba · 1,809 sqft · Built 2021
Not in an HOA — no homeowners association or mandatory dues
Bryce Spraggins — The HOA Collective
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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 COMPASS FLORIDA LLC (amanda.byrd@compass.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

Steps from the beach and completely move-in ready, this 2022 completed 4BR/2.5BA corner end-unit townhome has no HOA fees and a private outdoor retreat you won't find in a typical townhome. Step out back to a fully fenced yard with a spacious paver patio, custom shade canopy, professional landscape lighting, and new sod with irrigation front and back -- over $25K in upgrades built for entertaining. A side yard adds room for pets or a garden. Inside, the open-concept main floor is freshly painted with all living space on one level, while all 4 bedrooms and the laundry are tucked upstairs for privacy. Whether you're after a forever home, a beach getaway, or an investment with strong VRBO/Airbnb potential, this one is turn-key and ready to go. Motivated Seller!

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 · $18,865
$5,399/mo
Principal & interest$3,635
Property tax (est.)$647
Insurance (est.)$404
FHA MIP$238
HOA dues$474
CDD assessment$0
Cash to close: ~$18,865 down · MIP financed
VA
$0 down
$5,307/mo
Principal & interest$3,782
Property tax (est.)$647
Insurance (est.)$404
VA fee (financed)$0
HOA dues$474
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $107,800
$4,487/mo
Principal & interest$2,962
Property tax (est.)$647
Insurance (est.)$404
PMI$0
HOA dues$474
CDD assessment$0
Cash to close: ~$107,800 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.90% 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 built2021
Heated area1,809 sq ft
Lot size2,738 sq ft
SubdivisionPABLO BEACH SOUTH
Parcel (RE#)175852-0020
Legal description3-28 33-2S-29E 0.07

Valuation · 2025

Value

Just / Market
$550,000
Assessed
$419,647
Taxable
$368,925
2025 Property Tax
$7,014
Homestead Exemption
Yes $50,722 exempt

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 820 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 820 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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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 820 S 3RD AVE in an HOA?
No. 820 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 820 S 3RD AVE?
The zoned public schools for 820 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 820 S 3RD AVE?
The most recent annual property tax for 820 S 3RD AVE is about $7,014 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 820 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 820 S 3RD AVE?
820 S 3RD AVE is a 1,809 sq ft home built in 2021 in Pablo Beach South, Duval County, FL.
What would the monthly payment be on 820 S 3RD AVE?
At about a 7.32% 30-year rate, the estimated monthly payment for 820 S 3RD AVE is roughly $4,487 with a conventional loan (20% down), $5,399 with FHA (3.5% down), or $5,307 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 820 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 820 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/820-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.