This home is in Jacksonville Beach.

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Active

Active·347 days on market

2223 2225 1st Street S 1 2 3 4

Jacksonville Beach, FL 32250

$1,600,000$687/sqftEst. $8,516/moMLS# 2100825

Beds

Baths

2,330

Sq Ft

1940

Built

—

Garage

Pool

About this home

Jacksonville Beach

Prime Land Value Opportunity: Quadplex located just steps to the beach offers an exceptional opportunity for Investors, Developers, and Home Builders. A highly sought location in South Jacksonville Beach with a rare Quadplex zoned JRM-2, is your golden ticket to reimagine a prime piece of coastal real estate sold for it's land value. The existing buildings, weathered by time and use as a rental property, are ready to make way for your vision. Is it a modern beach town single family home or two like neighbor at 2227, multifamily townhouses, or other savvy investment property idea you have in mind? This property places you in the heart of South Jacksonville Beach's vibrant, laid back lifestyle. Picture strolling just steps to the beach with salty breezes and crashing waves to enjoy on your evening walks. The quadplex sits on a valuable lot in a convenient beachside community. Capitalize now on the potential 2223 and 2225 1st Street South offers. Don't miss this opportunity, call now.

Cost to own

Mortgage calculator

Home Price

$1,600,000

Down Payment: 20%

$320,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$8,133

Principal & Interest: $8,133

Est. Taxes & Insurance: $2,033

Estimated Total Monthly

$10,166

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$8,516

Property taxesest. at asking price, Duval County$2,613

Estimated total, before insurance$11,128/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Year	Market value	Taxable value	Change
2025	$912,342	$809,685	—
2024	$1,064,352	$736,078	—
2023	$669,162	$669,162	—
2022	$669,108	$669,108	—
2021	$547,466	$547,466	—
2020	$547,462	$547,462	▼ $162,018

2024 property taxes (current owner): $15,749/yr

Estimated taxes if purchased at asking price: ~$31,400/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1940)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,685 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History