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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 Seaspray, Jacksonville Beach — an oceanfront home in Northeast Florida.

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Sold

Sold·Closed Mar 16, 2026·10 days on market·Recent sales in Seaspray·Seaspray

829 1st Street 3-D

Jacksonville Beach, FL 32250

$524,000sold priceListed at $545,000 · 96.1% of asking$733/sqftMLS# 2126587
1
Beds
1
Baths
715
Sq Ft
1982
Built
—
Garage
No
Pool

3 more homes for sale in Seaspray →Search Seaspray on the map

HOA $38/mo436 sqft lotWaterfrontCondominium1 story

About this home

Seaspray

Turn-key and income-producing, this oceanfront Jacksonville Beach condo offers a rare opportunity to enjoy coastal living while generating short term rental revenue. This charming one-bedroom, one-bath residence captures Atlantic Ocean views just steps from your door. Inside, the kitchen features custom cabinetry and granite countertops, blending functionality with timeless coastal style. The inviting living space is anchored by a wood-burning fireplace, creating a warm retreat after long beach walks or cooler winter evenings. Step outside to direct beach access and enjoy effortless mornings on the sand, sunset walks along the shoreline, and the convenience of true oceanfront living. Short term rentals are permitted, making this property an exceptional investment opportunity or a flexible second home. Low HOA fees add to the appeal, offering low maintenance ownership with strong income potential.

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$2,902
Property taxesest. at asking price, Duval County$856
HOAbilled annually$38
Estimated total, before insurance$3,796/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,464/yr · $705/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$524,000
$104,800
Loan Term
Monthly Payment
$2,902
Principal & Interest: $2,902
Property taxes (est.): $856
Insurance (est.): $349
Estimated Total Monthly
$4,107
*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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 1982)

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

Solar potential: ~1,708 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

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 and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $8,464/yr

Estimated taxes if purchased at asking price: ~$10,300/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, NEFMLS.

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 $627/sq ft; this home is listed at $762/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
811 1st Street S 9, Jacksonville Beach, FL 32250Listed by PONTE VEDRA CLUB REALTY, INC.Oct 2026$345,000$6271/15501730
811 1st Street S 1, Jacksonville Beach, FL 32250Listed by SIGNAL REAL ESTATE INCJun 2025$385,000$7001/1550270
731 1st Street S 2F, Jacksonville Beach, FL 32250Listed by RE/MAX SPECIALISTS PVMar 2026$305,300$3702/18252270.1
731 1st Street 5E, Jacksonville Beach, FL 32250Listed by MOMENTUM REALTYJan 2026$540,000$6552/1825310.1
731 1st Street S 418, Jacksonville Beach, FL 32250Listed by MOMENTUM REALTYJul 2025$365,000$4422/1825890.1
731 1st Street S 311, Jacksonville Beach, FL 32250Listed by MOMENTUM REALTYJul 2025$365,000$4422/1825730.1

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$545,000
Price / Sq Ft$762
Bedrooms1
Bathrooms1.00
Full Baths1
Square Footage715
Acres0.01 acres
Year Built1982
TypeResidential
Sub-TypeCondominium
StyleCondotel, Traditional
StatusClosed
Has PoolNo
Is WaterfrontYes
Direction FacesEast

Community Information

Address829 1st Street 3-D, Jacksonville Beach, FL 32250
Area212-Jacksonville Beach-SE
SubdivisionSeaspray
CityJacksonville Beach
CountyDuval
StateFL
Zip Code32250
Lot Size435.6 sq ft
Parcel Number1760825032

Amenities

UtilitiesElectricity Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGuest, Unassigned
ViewBeach, Ocean, Water

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Entrance Foyer, Kitchen Island, Primary Bathroom - Tub with Shower
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Exterior FeaturesBalcony
Patio / PorchCovered, Porch
FencingCross Fenced
RoofMetal
ConstructionConcrete, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJanuary 23, 2026
Days on Market10
HOA Fees$450 / Annually
HOA FrequencyAnnually
Tax Amount$8,463.58
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY

Sold by: HERRON REAL ESTATE LLC (buyer's brokerage)

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.

The neighborhood

About Seaspray

Seaspray is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32250.

View all Seaspray homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Mar 16, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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