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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville Beach — a home near Duncan U. Fletcher High School.

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Pending

Pending·138 days on market

1812 Ocean Drive S

Jacksonville Beach, FL 32250

$849,000$939/sqftEst. $4,703/moMLS# 2122985
↓ $100,000 below original list
2
Beds
1.5
Baths
904
Sq Ft
1958
Built
—
Garage
No
Pool
FEMA Zone XNo HOASingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville Beach

OPEN HOUSE Saturday 10/3/26 11am-2pm. Rare opportunities like this don't come along often. Whether you're searching for the perfect short-term rental (VRBO) investment or exceptional homesite to design and build your dream beach retreat (Zoning Variance Obtained!), this property offers unmatched flexibility & location. Situated directly across the street from the ocean with easy beach access, it places the best of coastal living right at your doorstep. Imagine starting your mornings with sunrise walks along the shoreline, coffee in hand, listening to the calming rhythm of the waves. Enjoy a beachside jog or fitness run, paddle out for an early surf, or take a refreshing plunge into the Atlantic anytime you choose. This is a lifestyle that invites relaxation, wellness, and connection to nature every single day. See MLS# 2143771 for new home possibilities

Next steps in Jacksonville Beach

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$4,703
Property taxesest. at asking price, Duval County$1,386
Estimated total, before insurance$6,089/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$849,000
$169,800
Loan Term
Monthly Payment
$4,703
Principal & Interest: $4,703
Property taxes (est.): $1,386
Insurance (est.): $566
Estimated Total Monthly
$6,655
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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 — year not disclosed (home built 1958)

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

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: ~1,663 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:30 AM, sunset 6:50 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$608,159$509,531—
2024$722,158$463,210▼ $39,332
2023$421,100$421,100—
2022$414,531$414,531—
2021$392,462$392,462—
2020$391,222$362,446—

Estimated taxes if purchased at asking price: ~$16,600/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.

History

Price & status history

  • Oct 10, 2026Pending$849,000
  • Oct 9, 2026Active$849,000
  • Sep 24, 2026Active Under Contract$849,000
  • Sep 8, 2026Price change$849,000−$80,000
  • Sep 1, 2026Price change$929,000−$10,000
  • Jul 30, 2026Price change$939,000−$10,000
  • Jun 2, 2026Listed$949,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $507/sq ft; this home is listed at $939/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2202 Gail Avenue, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$625,000$6872/1910220.2
409 16th Avenue S, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJan 2026$525,000$4672/11,123200.3
138 12th Avenue S, Jacksonville Beach, FL 32250Listed by DIAMOND LIFE REALTY LLCSep 2026$785,000$7762/1.51,011110.4
1318 6th Street S, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDESep 2026$455,000$4742/2960680.4
31 Burling Way, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$520,000$5073/1.51,026880.5
614 3rd Avenue S, Jacksonville Beach, FL 32250Listed by ROUND TABLE REALTYJul 2026$372,000$4513/1825251

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$849,000
Price / Sq Ft$939
Bedrooms2
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage904
Total Structure Area932 sq ft
Year Built1958
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
Property ConditionFixer
StatusPending
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

Community Information

Address1812 Ocean Drive S, Jacksonville Beach, FL 32250
Area212-Jacksonville Beach-SE
SubdivisionJacksonville Beach
CityJacksonville Beach
CountyDuval
StateFL
Zip Code32250
Lot Dimensions40' X 70'
Parcel Number1793560000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther
ViewOther

Interior

AppliancesDisposal, Electric Range, Microwave, Refrigerator
CoolingOther
# of Stories1
LevelsOne

Exterior

Lot DescriptionOther
RoofShingle
ConstructionConcrete
Other StructuresOther
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 3, 2026
Days on Market281
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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