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 Oceans Edge Condos, Jacksonville Beach — a home near Duncan U. Fletcher High School.

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Pending

Pending·183 days on market·Oceans Edge Condos

109 25th Avenue S O11

Jacksonville Beach, FL 32250

$259,000$304/sqftEst. $1,332/moMLS# 2132432

Beds

Baths

853

Sq Ft

1973

Built

—

Garage

Pool

About this home

Oceans Edge Condos

FIRST YEAR CONDO FEES PAID BY SELLER! Ground-floor living in the heart of Jacksonville Beach. This 1 bedroom, 1 bath condo offers easy access with no stairs and a peaceful pond and pool view from your own patio. Blocks to the ocean with no major roads to cross, making your sunrise surf sesh easy like Sunday morning. The updated kitchen features granite countertops, stainless appliances, and a breakfast bar that opens to the main living space. In-unit stackable W/D is a major plus. Built-in storage for your boards and more, there is also a storage closet just outside of the unit. Reserved parking steps from the unit for true convenience. Ocean's Edge amenities include a resort-style pool, clubhouse, fitness center, and beautifully maintained grounds. Walk or bike to dining, coffee shops, and local favorites. Long-term rentals only (6+ months), supporting a more stable and quiet community environment. Beach living without the chaos. Comfortable, convenient, and move-in ready

Cost to own

Mortgage calculator

Home Price

$259,000

Down Payment: 20%

$51,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,332

Principal & Interest: $1,332

Property taxes (est.): $423

Insurance (est.): $173

Estimated Total Monthly

$1,927

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,332

Property taxesest. at asking price, Duval County$423

HOAbilled monthly$586

Estimated total, before insurance$2,341/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,202/yr · $433/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$282,000	$282,000	—
2024	$290,000	$264,203	—
2023	$259,000	$156,006	—
2022	$240,000	$150,006	—
2021	$198,500	$144,181	—
2020	$191,500	$141,500	—

2025 property taxes (current owner): $5,202/yr

Estimated taxes if purchased at asking price: ~$5,100/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 AE — 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 — year not disclosed (home built 1973)

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: ~1,701 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

Price & status history

Jul 19, 2026Pending$259,000
Feb 27, 2026Listed$259,000

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

Features

Price$259,000

Price / Sq Ft$304

Bedrooms1

Bathrooms1.00

Full Baths1

Square Footage853

Acres0.01 acres

Year Built1973

TypeResidential

Sub-TypeCondominium

StatusPending

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementarySeabreeze

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address109 25th Avenue S O11, Jacksonville Beach, FL 32250

Area212-Jacksonville Beach-SE

SubdivisionOceans Edge

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size435.6 sq ft

Parcel Number1794581142

ZoningResidential

Amenities

AmenitiesPool, Car Wash Area, Clubhouse, Fitness Center

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned

ViewPond, Pool

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Open Floorplan, Primary Bathroom - Tub with Shower

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Washer/Dryer Stacked

HeatingCentral

CoolingCentral Air

FlooringLaminate

# of Stories1

LaundryIn Unit