Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Jacksonville Beach — a waterfront home in Jacksonville.

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Active

Active·175 days on market

0 Ocean Drive S

Jacksonville Beach, FL 32250

$2,999,000Est. $15,402/moMLS# 2132365

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Jacksonville Beach

PHENOMENAL OCEANFRONT LOT LOCATED IN THE HIGHLY SOUGHT AREA OF SOUTH JAX BEACH. LOT ALREADY CLEARED FOR YOU TO BUILD YOUR OCEANFRONT DREAM HOME. GREAT WALKABLE AREA TO RESTAURANTS, COFFEE SHOPS, WHOLE FOODS, DRUG STORE. CONVENIENT TO THE PONTE VEDRA INN & CLUB. CLOSE TO BEACH BAPTIST AND JUST A 5 MINUTE DRIVE TO MAYO. PROPERTY INCLUDES PRIVATE WALK OVER TO THE BEACH LOT DIMENSIONS 50' X 150'

Cost to own

Mortgage calculator

Home Price

$2,999,000

Down Payment: 20%

$599,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$15,402

Principal & Interest: $15,402

Property taxes (est.): $4,897

Insurance (est.): $1,999

Estimated Total Monthly

$22,298

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.65% · 30yr$15,402

Property taxesest. at asking price, Duval County$4,897

Estimated total, before insurance$20,299/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AO — 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

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

Solar potential: ~1,733 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.

History