This home is in Ocean 14, Jacksonville Beach.

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Active

Active·110 days on market·Ocean 14

1301 1st Street S 103

Jacksonville Beach, FL 32250

$600,000$565/sqftEst. $3,193/moMLS# 2137051

Beds

Baths

1,062

Sq Ft

1976

Built

—

Garage

Pool

About this home

Ocean 14

Coastal lifestyle in this ground floor 2 bed, 2 bath oceanfront condo located in the south end of Jacksonville Bch. A combination of practical luxury, charm and convenience. 1 of only 72 assigned garage spaces included, and dedicated storage unit, perfect for housing surfboards, bikes, and beach gear. Enjoy the oceanfront pool with close proximity to a beach walkover. Ground floor with secured access or enter through lobby. Additional surface parking.

Cost to own

Mortgage calculator

Home Price

$600,000

Down Payment: 20%

$120,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,031

Principal & Interest: $3,031

Est. Taxes & Insurance: $758

Estimated Total Monthly

$3,788

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,193

Property taxesest. at asking price, Duval County$980

HOAbilled monthly$1,546

Estimated total, before insurance$5,719/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, 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	$473,450	$473,450	—
2024	$526,000	$465,850	—
2023	$502,000	$423,500	—
2022	$385,000	$385,000	—
2021	$366,000	$366,000	—
2020	$366,000	$366,000	▲ $25,000

2025 property taxes (current owner): $8,733/yr

Estimated taxes if purchased at asking price: ~$11,800/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 1976)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Public water (record)

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: ~1,689 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

Informational 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