This home is in Jacksonville Beach.

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Active·45 days on market

1812 Ocean Drive S

Jacksonville Beach, FL 32250

$949,000$1050/sqftEst. $5,051/moMLS# 2122985

Beds

Baths

904

Sq Ft

1958

Built

—

Garage

Pool

About this home

Jacksonville Beach

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

Cost to own

Mortgage calculator

Home Price

$949,000

Down Payment: 20%

$189,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,824

Principal & Interest: $4,824

Est. Taxes & Insurance: $1,206

Estimated Total Monthly

$6,030

*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$5,051

Property taxesest. at asking price, Duval County$1,550

Estimated total, before insurance$6,601/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	$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: ~$18,600/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 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

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