This home is in Jacksonville Beach.

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Active

Active·183 days on market

2280 Oak Forest Drive

Jacksonville Beach, FL 32250

$1,094,000$309/sqftEst. $5,823/moMLS# 2121302

Beds

Baths

3,544

Sq Ft

1993

Built

Garage

Pool

About this home

Jacksonville Beach

OPEN HOUSE: SUNDAY 7/12, 12PM-2PM. Tucked beneath mature oaks on a quiet corner lot in Jacksonville Beach, this 3,544 sq ft home offers a rare combination of space, flexibility, and value just minutes from the ocean. Featuring 4 true bedrooms, soaring ceilings, dramatic windows, multiple living areas, and a large upstairs flex space with peekaboo Intracoastal views, the layout is designed for both everyday living and entertaining. The oversized quartz island kitchen flows seamlessly into the main living spaces, while recent updates including new flooring and interior paint provide a fresh feel. Conceptual renderings now showcase the potential for a resort-style pool, enhanced landscaping, and classic white picket front fencing to help buyers envision the outdoor possibilities. Roof 2020, no HOA, not in a flood zone, transferable termite bond, and one of the best price-per-square-foot opportunities currently available in Jax Beach.

Cost to own

Mortgage calculator

Home Price

$1,094,000

Down Payment: 20%

$218,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,526

Principal & Interest: $5,526

Est. Taxes & Insurance: $1,382

Estimated Total Monthly

$6,908

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$5,823

Property taxesest. at asking price, Duval County$1,786

Estimated total, before insurance$7,609/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	$813,602	$707,198	—
2024	$740,461	$686,560	▲ $612
2023	$755,603	$665,107	—
2022	$694,279	$644,279	—
2021	$514,084	$192,335	—
2020	$434,074	$188,990	—

Estimated taxes if purchased at asking price: ~$21,400/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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: Shingle — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · FL0020231 - City of Jacksonville Beach · Public water (record)

County records show this parcel on central sewer served by FL0020231 - City of Jacksonville Beach — no septic system to inspect or maintain.

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

Solar potential: ~1,279 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Price & status history

Jan 13, 2026Listed$1,094,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,094,000

Price / Sq Ft$309

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,544

Acres0.23 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address2280 Oak Forest Drive, Jacksonville Beach, FL 32250

Area213-Jacksonville Beach-NW

SubdivisionOak Forest Estates

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size10,018.8 sq ft

Lot Dimensions94 x 133

Parcel Number1776530602

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringLaminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryIn Unit