422 9TH Avenue N 0.3 mi to Jacksonville Beach access - Entire third floor functions like a 4th bedroom - No HOA - Rooftop balcony - Built 2022 - 3D tour + floor plan. Contemporary 3-story townhome offering a flexible layout w/ an entire third-floor loft that serves as a private suite-style space. While not a conforming bedroom due to the absence of a door, the level provides the size, privacy, & functionality many buyers seek in a 4-bedroom home, making it ideal as a guest suite, home office, media room, fitness space, or additional sleeping area. Features include 10 ft ceilings, 8 ft birch doors, LVP flooring, white oak stair treads, designer fixtures, epoxy-coated garage w/ mini split, European-style cabinetry, quartz countertops, waterfall island, & electric fireplace. Glass sliders open to a fenced backyard w/ new pavers & turf (2025, approximately $35K). Primary suite offers a private balcony & built-in closet. Dedicated laundry room w/ sink. No HOA allows flexibility for short-term rental use.