This home is in Jacksonville Beach — an oceanfront home in Northeast Florida.
Sold·Closed Sep 22, 2026·129 days on market·Recent sales in Jacksonville Beach
1221 1st Street S 12B
Jacksonville Beach, FL 32250
About this home
Jacksonville Beach
Fully renovated oceanfront end unit offering over 2,900 sqft and 2 premium covered garage parking spaces inside the main building one equipped with EV charging. This 4-bedroom, 3.5-bath residence at The Waterford lives more like a beachfront home than a condo, with sweeping ocean views and $127k in assessments fully paid for recent building improvements. The remodeled interior features luxury vinyl plank flooring throughout, smooth ceilings, updated doors and trim, new lighting, electrical outlets and California Closets throughout. The kitchen showcases new soft-close cabinetry, quartz countertops, Bosch appliances, a built-in microwave/convection oven, standalone ice maker, under-cabinet lighting, marble tile accents, and a walk-in pantry complete with wine fridge and custom wine storage.
Next steps in Jacksonville Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 — year not disclosed (home built 1985)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,597 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,169,700 | $908,240 | — |
| 2024 | $1,169,700 | $881,936 | — |
| 2023 | $1,169,700 | $854,793 | — |
| 2022 | $970,200 | $828,440 | — |
| 2021 | $808,000 | $758,000 | — |
| 2020 | $808,000 | $596,910 | ▲ $71,000 |
2025 property taxes (current owner): $16,916/yr
Estimated taxes if purchased at asking price: ~$31,600/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
- Sep 22, 2026Closed$1,675,000
- Aug 13, 2026Pending$1,675,000
- Jul 28, 2026Active Under Contract$1,675,000
- Jul 10, 2026Price change$1,675,000−$124,000
- Mar 21, 2026Listed$1,799,000
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 $489/sq ft; this home is listed at $575/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1221 S 1st Street 10B, Jacksonville Beach, FL 32250Listed by RE/MAX SPECIALISTS PV | Feb 2026 | $1,500,000 | $515 | 4/3.5 | 2,913 | 86 | 0 |
| 1221 S 1st Street 7A, Jacksonville Beach, FL 32250Listed by RE/MAX SPECIALISTS | Jun 2025 | $1,206,750 | $489 | 3/2.5 | 2,468 | 73 | 0 |
| 1032 1st Street S 8, Jacksonville Beach, FL 32250Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $750,000 | $334 | 3/3.5 | 2,245 | 1 | 0.1 |
| 115 9th Avenue S 201, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2025 | $625,000 | $296 | 3/3 | 2,114 | 176 | 0.3 |
| 688 10th Avenue S, Jacksonville Beach, FL 32250Listed by REAL BROKER LLC | Apr 2025 | $625,000 | $305 | 4/2.5 | 2,046 | 12 | 0.4 |
| 50 3rd Avenue 903, Jacksonville Beach, FL 32250Listed by WATSON REALTY CORP | Sep 2026 | $1,475,000 | $639 | 3/3 | 2,310 | 2 | 0.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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.
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Krista Fracke
Broker Associate
This home sold on Sep 22, 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
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