This home is in Jacksonville Beach.
Active·117 days on market
1221 1st Street S 12B
Jacksonville Beach, FL 32250
About this home
Jacksonville Beach
OPEN HOUSE Saturday July 18th 11am-1pm Jaclyn will be at the lobby to guide you in! 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.
Cost to own
Mortgage calculator
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, 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 | $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: ~$32,800/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 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.
Likely septic
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: 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 homeInformational 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
Price & status history
- 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.
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 by realMLS (Northeast Florida MLS).
Keep looking
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
Open Houses
7/18/2026
11:00 am - 1:00 pm