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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville Beach — an oceanfront home in Northeast Florida.

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Sold

Sold·Closed Jun 9, 2026·25 days on market·Recent sales in Jacksonville Beach

1221 1st Street S 6A

Jacksonville Beach, FL 32250

$1,075,000sold priceListed at $1,150,000 · 93.5% of asking$650/sqftMLS# 2139665
3
Beds
2.5
Baths
1,654
Sq Ft
1985
Built
1
Garage
No
Pool
HOA $1303/mo436 sqft lotWaterfrontCondominium1 story

About this home

Jacksonville Beach

Wake up to the sound of waves and golden sunrises in Unit 6A at The Waterford, an exclusive boutique oceanfront condominium with only 36 residences in the heart of Jacksonville Beach. This 3-bedroom, 2.5-bath corner residence offers expansive Atlantic Ocean views from nearly every room, complemented by a 60-foot wraparound balcony, your front-row seat to dolphins, sea breezes, and beautiful sunrises and sunsets. Designed for both comfort and entertaining, the open layout is filled with natural light and features durable tile flooring throughout, a 2.5-year-old A/C, and a new water heater. The building has been beautifully updated with a full exterior repaint and sleek glass balcony railings, enhancing both style and panoramic views. Strong financial reserves reflect a well-managed association, where residents enjoy a private, friendly community, an oceanfront pool, and covered parking, all just steps from the beach, dining, shopping, and the Jacksonville Beach Pier.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$5,954
Property taxesest. at asking price, Duval County$1,755
HOAbilled monthly$1,303
Estimated total, before insurance$9,013/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,192/yr · $683/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,075,000
$215,000
Loan Term
Monthly Payment
$5,954
Principal & Interest: $5,954
Property taxes (est.): $1,755
Insurance (est.): $717
Estimated Total Monthly
$8,426
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

YearMarket valueTaxable valueChange
2025$692,500$435,296—
2024$692,500$422,321—
2023$692,500$408,565—
2022$599,000$395,209—
2021$510,000$382,242—
2020$510,000$376,275▲ $45,000

2025 property taxes (current owner): $8,192/yr

Estimated taxes if purchased at asking price: ~$21,100/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $534/sq ft; this home is listed at $695/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1301 1st Street 802, Jacksonville Beach, FL 32250Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$450,000$3652/21,2321440.1
1031 1st Street S 201, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS ST JOHNSJun 2026$895,000$5743/21,5602680.1
1524 1st Street S, Jacksonville Beach, FL 32250Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$650,000$3953/31,644990.2
1551 1st Street 103, Jacksonville Beach, FL 32250Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$675,000$4673/21,446860.2
1601 Ocean Drive 402, Jacksonville Beach, FL 32250Listed by 904 FINE HOMESAug 2026$680,000$5343/21,274460.3
1601 Ocean Drive S 805, Jacksonville Beach, FL 32250Listed by PONTE VEDRA CLUB REALTY, INC.Jun 2026$950,000$7462/21,274310.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,150,000
Price / Sq Ft$695
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,654
Acres0.01 acres
Year Built1985
TypeResidential
Sub-TypeCondominium
StyleFlat
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontYes

Community Information

Address1221 1st Street S 6A, Jacksonville Beach, FL 32250
Area212-Jacksonville Beach-SE
SubdivisionThe Waterford
CityJacksonville Beach
CountyDuval
StateFL
Zip Code32250
Lot Size435.6 sq ft
Parcel Number1762131032

Amenities

AmenitiesBeach Access, Elevator(s), Management- On Site, Security, Service Elevator(s), Storage, Trash
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingCommunity Structure
ViewBeach, Ocean
Waterfront TypeOcean Front

Interior

Interior FeaturesBreakfast Bar, Open Floorplan, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne
SecurityClosed Circuit Camera(s), Entry Phone/Intercom, Fire Alarm, Fire Sprinkler System, Secured Elevator, Secured Lobby, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony

Additional Information

Date ListedApril 17, 2026
Days on Market25
HOA Fees$1,303 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesSewer, Water
Tax Amount$8,192.28
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COMPASS FLORIDA LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 9, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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