This home is in Jacksonville Beach.

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Active

Active·356 days on market

2223 2225 1st Street S

Jacksonville Beach, FL 32250

$1,600,000Est. $8,158/moMLS# 2101488

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Garage

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About this home

Jacksonville Beach

Opportunity to Build or hold. Land currently occupied with two Duplex structures 2223 on the North side and 2225 on the South side of the property. So many options for your Building dreams to come true with exceptional zoning JRM-2. Some older duplexes must be single family only when demolished, not this property. South Jacksonville Beach is convenient to J Turner Butler Blvd the most direct route to town if you must cross the ditch. Every amenity for true Florida living is nearby. Beach access just a few steps and a quick scoot to Whole Foods, Homegoods, Fla Juice and Bowl (yum) and the new Southern Grounds in S Jacksonville Beach. Make some money, or make this your home, better yet, you can do both. Whatever you do, don't miss this rare opportunity. Call now.

Cost to own

Mortgage calculator

Home Price

$1,600,000

Down Payment: 20%

$320,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$8,158

Principal & Interest: $8,158

Property taxes (est.): $2,613

Insurance (est.): $1,067

Estimated Total Monthly

$11,837

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$8,158

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

Estimated total, before insurance$10,770/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$15,749/yr · $1,312/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 (that applies to the reference bill above too).

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

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + 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

As of July 2026, 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