This home is in Seaspray, Jacksonville Beach — an oceanfront home in Northeast Florida.
Active·161 days on market·Seaspray
829 1st Street 3-B
Jacksonville Beach, FL 32250
About this home
Seaspray
One or more photos have been virtually staged.Location! Experience penthouse living at its finest in this top-floor oceanfront condo located at 829 S 1st Street, Unit 3B, Jacksonville Beach. Enjoy spectacular, unobstructed views of the Atlantic Ocean just steps from your door. This beautifully updated 1-bedroom, 1-bath residence features tile flooring throughout, granite countertops in the kitchen and bathroom, and custom cabinetry that blends style with functionality. The inviting living area is highlighted by a wood-burning fireplace with elegant tile and glass design--perfect for relaxing after a day at the beach. Step out onto your private tiled balcony and take in the ocean breeze and breathtaking views. Turn-key and income-producing, this condo offers an excellent opportunity for short-term rental income or as a flexible second home. Direct beach access allows for effortless coastal living--morning walks on the sand, ocean sunrises, and year-round enjoyment.
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, 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 | $437,000 | $437,000 | — |
| 2024 | $437,000 | $408,617 | — |
| 2023 | $373,000 | $371,470 | — |
| 2022 | $344,000 | $337,700 | — |
| 2021 | $307,000 | $307,000 | — |
| 2020 | $307,000 | $294,195 | — |
2025 property taxes (current owner): $8,061/yr
Estimated taxes if purchased at asking price: ~$9,400/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 1982)
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: ~1,709 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.
History
Price & status history
- Aug 17, 2026Price change$479,500−$20,000
- Mar 22, 2026Listed$499,500
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Seaspray
Seaspray is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32250.
View all Seaspray homes for sale →Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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