This home is in Ocean 14, Jacksonville Beach — an oceanfront home in Northeast Florida.
Active·149 days on market·Ocean 14
1301 1st Street S 803
Jacksonville Beach, FL 32250
About this home
Ocean 14
Full-price offer includes Seller payment at closing toward the upcoming HOA assessment, including planned replacement of oceanfront windows and sliding glass doors--a valuable benefit and future savings for the next owner. Discover oceanfront living at its finest in this beautifully updated 8th-floor condominium at Ocean 14. Sweeping Atlantic views provide a daily backdrop of dolphins, seabirds, and rolling waves. The thoughtfully redesigned split-bedroom floor plan offers privacy and comfort, while the updated owner's suite features a spacious tiled shower and upgraded bath. Both bathrooms include granite vanities, and additional improvements include knockdown ceilings, crown molding, coastal finishes, and a new HVAC system installed in September 2025. Seller financing may be available. Move-in ready with furnishings negotiable, this is your opportunity to begin enjoying the beachfront lifestyle immediately. Schedule your ''Preview'' Today!
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 | $471,000 | $276,860 | — |
| 2024 | $500,000 | $268,350 | — |
| 2023 | $476,000 | $259,078 | — |
| 2022 | $359,000 | $250,076 | — |
| 2021 | $340,000 | $241,336 | — |
| 2020 | $340,000 | $340,000 | — |
2024 property taxes (current owner): $5,142/yr
Estimated taxes if purchased at asking price: ~$11,000/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: Other — year not disclosed (home built 1976)
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: ~1,689 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 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 25, 2026Price change$559,000−$21,000
- Apr 2, 2026Listed$580,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Ocean 14
Ocean 14 is a neighborhood in Jacksonville Beach, FL (Duval County), ZIP 32250.
View all Ocean 14 homes for sale →Listing Courtesy of: EXP REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines