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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Active·156 days on market·Oceans Edge Condos

105 25th Avenue S L11

Jacksonville Beach, FL 32250

$534,000$380/sqftEst. $2,745/moMLS# 2136870

Beds

Baths

1,407

Sq Ft

1973

Built

—

Garage

Pool

About this home

Oceans Edge Condos

NEW INCENTIVE: Seller will pay 6 months of HOA dues! Experience beach living in one of Jacksonville Beach's most desirable communities, offering amenities that are hard to find this close to the ocean. Enjoy a resort-style pool, fitness center, outdoor kitchen, gazebo, and beautifully landscaped, peaceful grounds, all just outside the back door of this immaculate first-floor, three-bedroom condo. The beach is just steps away, along with your favorite coffee shops, restaurants. With first-floor convenience and easy accessibility, this home offers the ideal blend of comfort and coastal living. Recent updates include a new HVAC system and new windows, providing peace of mind for years to come. Additional features include assigned parking and a private attached storage unit that's perfect for bikes, beach chairs, surfboards, and all your coastal gear. Affordable, low-maintenance, and perfectly located, this is your opportunity to enjoy the beach lifestyle you've been dreaming of.

Cost to own

Mortgage calculator

Home Price

$534,000

Down Payment: 20%

$106,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,745

Principal & Interest: $2,745

Property taxes (est.): $872

Insurance (est.): $356

Estimated Total Monthly

$3,973

*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$2,745

Property taxesest. at asking price, Duval County$872

HOAbilled monthly$952

Estimated total, before insurance$4,569/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,194/yr · $599/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	$390,000	$390,000	—
2024	$406,500	$406,500	—
2023	$406,500	$370,865	—
2022	$383,500	$337,150	—
2021	$306,500	$306,500	—
2020	$294,500	$294,500	—

2025 property taxes (current owner): $7,194/yr

Estimated taxes if purchased at asking price: ~$10,500/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 X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Tile — 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