This home is in Atlantic Shores, Jacksonville Beach.

1 / 64

Active

Active·69 days on market·Atlantic Shores

3218 1st Street S

Jacksonville Beach, FL 32250

$1,475,000$932/sqftEst. $7,851/moMLS# 2144039

Beds

Baths

1,583

Sq Ft

1956

Built

—

Garage

Pool

About this home

Atlantic Shores

Just one block from the ocean and moments from the shopping, dining, and entertainment that make Jacksonville Beach so desirable, this well-maintained home offers the perfect blend of coastal charm and low-maintenance living. Situated on sought-after First Street, this solid concrete block residence features 3 bedrooms, 2 nicely renovated bathrooms, durable tile and LVP flooring, fresh interior paint, and renovated kitchen complete with new appliances. The enclosed front porch creates the perfect spot to enjoy morning coffee and ocean breezes as the sun rises over the beach.

Cost to own

Mortgage calculator

Home Price

$1,475,000

Down Payment: 20%

$295,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$7,451

Principal & Interest: $7,451

Est. Taxes & Insurance: $1,863

Estimated Total Monthly

$9,313

*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$7,851

Property taxesest. at asking price, Duval County$2,408

Estimated total, before insurance$10,259/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

Last sold: $1,210,000 in March 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,021,942	$1,021,942	—
2024	$1,056,101	$880,633	▼ $127,957
2023	$986,386	$800,576	—
2022	$815,317	$727,797	—
2021	$673,653	$661,634	—
2020	$669,567	$601,486	—

2025 property taxes (current owner): $18,850/yr

Estimated taxes if purchased at asking price: ~$28,900/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 AE — 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: Metal — year not disclosed (home built 1956)

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: ~1,704 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