This home is in Ocean 14, Jacksonville Beach.

1 / 34

Active

Active·104 days on market·Ocean 14

1301 1st Street S 803

Jacksonville Beach, FL 32250

$580,000$546/sqftEst. $3,087/moMLS# 2138011

Beds

Baths

1,062

Sq Ft

1976

Built

—

Garage

Pool

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

Home Price

$580,000

Down Payment: 20%

$116,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,930

Principal & Interest: $2,930

Est. Taxes & Insurance: $732

Estimated Total Monthly

$3,662

*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$3,087

Property taxesest. at asking price, Duval County$947

HOAbilled monthly$978

Estimated total, before insurance$5,012/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	$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: ~$11,400/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: Other — year not disclosed (home built 1976)

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: ~1,689 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

Price & status history

Apr 2, 2026Listed$580,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$580,000

Price / Sq Ft$546

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,062

Year Built1976

TypeResidential

Sub-TypeCondominium

StyleFlat

StatusActive

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

ElementarySeabreeze

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address1301 1st Street S 803, Jacksonville Beach, FL 32250

Area212-Jacksonville Beach-SE

SubdivisionOcean 14

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Parcel Number1762460214

ZoningCondominium

Amenities

AmenitiesPool, Beach Access, Clubhouse, Elevator(s), Fitness Center, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management- On Site, Trash

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOther, Unassigned

ViewBeach, Ocean

Waterfront TypeOcean Front