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 Jacksonville Beach — an oceanfront home in Northeast Florida.

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Active

Active·132 days on market

1551 1st Street S 101

Jacksonville Beach, FL 32250

$599,000$414/sqftEst. $3,083/moMLS# 2138311

Beds

Baths

1,446

Sq Ft

1984

Built

—

Garage

Pool

About this home

Jacksonville Beach

**BEST PRICED 3 BEDROOM OCEANFRONT CONDO ON THE MARKET! 2 NEW Beach Cruiser Bikes w/ accepted offer by 7/1/26! $6,000 lender credit to buyer!** Beachfront living at its best. This beautifully updated condo offers gorgeous ocean views from your private balcony and a light-filled interior that instantly feels like a getaway. Enjoy a prime location with 2 assigned parking spaces in one of the most desirable stretches of the beach--just a short walk to tennis courts, top dining, shopping, and more. Inside, the unit has been thoughtfully renovated with a stunning kitchen and bathrooms, fresh paint, updated flooring and lighting, plus a newer HVAC system and water heater for peace of mind. Low-maintenance, resort-style living is yours with amenities including a large oceanfront pool and secure building access. Whether you're looking for a full-time residence or the perfect coastal escape, this one delivers year-round vacation vibes. **lender credit through preferred lender

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,083

Principal & Interest: $3,083

Property taxes (est.): $978

Insurance (est.): $399

Estimated Total Monthly

$4,460

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$3,083

Property taxesest. at asking price, Duval County$978

HOAbilled monthly$1,190

Estimated total, before insurance$5,251/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,946/yr · $745/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

Last sold: $537,000 in February 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$485,000	$485,000	—
2024	$485,000	$485,000	—
2023	$539,000	$539,000	—
2022	$497,500	$108,423	▲ $79,500
2021	$348,500	$103,795	—
2020	$348,500	$101,665	—

2025 property taxes (current owner): $8,946/yr

Estimated taxes if purchased at asking price: ~$11,700/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 VE — coastal high-hazard area

Flood insurance is required by lenders, at coastal (wave-action) rates.

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 1984)

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: ~1,728 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