This home is in Jacksonville Beach — a home near Duncan U. Fletcher High School.
Active Under Contract·82 days on market
386 1st Street S
Jacksonville Beach, FL 32250
About this home
Jacksonville Beach
*Freshly painted exterior +new photos just added!* PANORAMIC OCEAN VIEWS FROM A TOP-FLOOR PENTHOUSE IN JAX BEACH! This coveted corner residence offers sweeping coastal views, abundant natural light, and extra corner windows that bring the ocean into nearly every room. Step onto your private balcony to greet the sunrise with coffee or unwind to soft pastel sunsets and salty sea breezes. Inside, enjoy an updated kitchen, newer flooring, and an open, relaxed layout designed for effortless beach living. Two dedicated parking spaces plus a private storage unit provide room for bikes, boards, and beach gear. With HOA fees just $530/month, this is one of the most affordable ocean-view penthouses in Jax Beach. Walk to Jax Beach Town Center for dining, live music, and shops, or head just one block east to 4th Ave South beach access and Oceanfront Park. Minutes to Mayo Clinic, JTB, and Sunshine Park--this is coastal living at its best. *no short term rentals, 9 month minimum.*
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Last sold: $535,000 in August 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $459,900 | $409,178 | — |
| 2024 | $459,900 | $409,900 | — |
| 2023 | $438,000 | $381,150 | — |
| 2022 | $400,000 | $346,500 | — |
| 2021 | $315,000 | $315,000 | — |
| 2020 | $293,500 | $293,500 | — |
2024 property taxes (current owner): $7,770/yr
Estimated taxes if purchased at asking price: ~$10,600/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 (2025), NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 1998)
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: ~1,808 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 homeAs 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
Price & status history
- Jul 26, 2026Active Under Contract$540,000
- May 23, 2026Listed$540,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines