This home is in Ocean 14, Jacksonville Beach.

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Active

Active·103 days on market·Ocean 14

1301 1st Street 802

Jacksonville Beach, FL 32250

$529,000$429/sqftEst. $2,816/moMLS# 2138208

Beds

Baths

1,232

Sq Ft

1976

Built

—

Garage

Pool

About this home

Ocean 14

Come see this furnished 2BR/2Bath Oceanfront Condo in Jax Beach offering direct beach access and unobstructed Atlantic views. The unit features a functional layout with private balcony overlooking the ocean. Condo is in need of TLC, presenting a great opportunity to add your own touch and value. Ideal for a primary residence, second home or investment. Community amenities include an oceanfront pool, fitness center and clubhouse. Strong potential in a prime beachfront location.

Cost to own

Mortgage calculator

Home Price

$529,000

Down Payment: 20%

$105,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,672

Principal & Interest: $2,672

Est. Taxes & Insurance: $668

Estimated Total Monthly

$3,340

*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$2,816

Property taxesest. at asking price, Duval County$864

HOAbilled monthly$1,162

Estimated total, before insurance$4,841/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	$547,000	$123,759	—
2024	$573,000	$119,564	—
2023	$547,000	$114,626	—
2022	$392,000	$109,832	—
2021	$351,000	$105,177	—
2020	$351,000	$103,035	—

2025 property taxes (current owner): $2,446/yr

Estimated taxes if purchased at asking price: ~$10,400/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 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