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905 2nd Street N C

Jacksonville Beach, FL 32250

$895,900$367/sqftEst. $4,620/moMLS# 2035965

Beds

Baths

2,444

Sq Ft

2004

Built

Garage

Pool

About this home

Jacksonville Beach

Wow! THE BEST PRICED unit east of 3rd Street (beachside)! Amazing Location & Ocean-views! Your dream beach home just steps to the beach and Jax Beach Town Center! Perfect home, vacation home or turn key ultra low maintenance investment property. It's an incredible home and rare investment opportunity (no rental restrictions). Stunning custom cabinets and new water softener. Ocean view extends into your completely open and spacious great room, kitchen and master bedroom. Features two balconies, garage and an large backyard. Well lit & bright! There are three oversized bedrooms with ensuite bathroom & walk-in closets. Full in-law suite on main floor with kitchenette. The bathrooms feature beautifully detailed cabinetry and sparkling stone countertops! Well maintained association with new tile roof. HOA covers insurance, lawn, roof and all exterior items. Please note the virtual tour some photos are staged from a similar unit. Also listed for RENT MLS 2109088 Tenant Occupied to Dec.

Cost to own

Mortgage calculator

Home Price

$895,900

Down Payment: 20%

$179,180

Interest Rate: 6.69%

Loan Term

Monthly Payment

$4,620

Principal & Interest: $4,620

Property taxes (est.): $1,463

Insurance (est.): $597

Estimated Total Monthly

$6,680

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.69% · 30yr$4,620

Property taxesest. at asking price, Duval County$1,463

HOAbilled monthly$620

Estimated total, before insurance$6,703/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

2023 property taxes (current owner): $11,051/yr

Estimated taxes if purchased at asking price: ~$17,600/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Tile — year not disclosed (home built 2004)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,808 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History