This home is in Jacksonville Beach — an oceanfront home in Northeast Florida.
Active·154 days on market
1951 Ocean Drive S 1B
Jacksonville Beach, FL 32250
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville Beach
Welcome home to this beautiful 3-bedroom condo in the heart of South Jax Beach. Fresh off a significant building renovation, including full exterior, stairwells, balconies, lobbies, The open floor plan lets light into every corner of the unit. Split bedrooms allow the owners suite to have oceanfront access with views from the other rooms. This oceanfront condo in the boutique 8-unit Pablo Surfside building provides the South Jax Beach coastal lifestyle you are looking for! With 3 bedrooms, 2 baths, and 1,530 sq ft, this first-floor condo offers seamless indoor-outdoor living with sliders opening to the pool. Includes 2 assigned parking space. Well maintained , timeless, and steps from the sand.
Next steps in Jacksonville Beach
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Membrane — year not disclosed (home built 1987)
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: ~1,708 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:27 AM, sunset 6:55 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $679,000 | $410,217 | — |
| 2024 | $679,000 | $397,949 | — |
| 2023 | $679,000 | $384,902 | — |
| 2022 | $655,000 | $372,235 | — |
| 2021 | $523,000 | $359,937 | — |
| 2020 | $495,000 | $354,278 | — |
2025 property taxes (current owner): $7,730/yr
Estimated taxes if purchased at asking price: ~$17,500/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.
History
Price & status history
- May 14, 2026Listed$892,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $583/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1951 Ocean Drive S 2A, Jacksonville Beach, FL 32250Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $1,192,500 | $701 | 3/2 | 1,700 | 71 | 0 |
| 1867 S 2nd Street S, Jacksonville Beach, FL 32250Listed by WATSON REALTY CORP | Sep 2026 | $660,000 | $437 | 3/2.5 | 1,512 | 16 | 0.1 |
| 1601 Ocean Drive 402, Jacksonville Beach, FL 32250Listed by 904 FINE HOMES | Aug 2026 | $680,000 | $534 | 3/2 | 1,274 | 46 | 0.1 |
| 1601 Ocean Drive S 807, Jacksonville Beach, FL 32250Listed by WATSON REALTY CORP | Jul 2026 | $725,000 | $653 | 2/2 | 1,110 | 70 | 0.1 |
| 2149 2nd Street S, Jacksonville Beach, FL 32250Listed by NOMAD REALTY | Jul 2026 | $615,000 | $415 | 3/2.5 | 1,482 | 46 | 0.1 |
| 1524 1st Street S, Jacksonville Beach, FL 32250Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $650,000 | $395 | 3/3 | 1,644 | 99 | 0.2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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
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