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 Seascape Condo, Jacksonville Beach — a home near Duncan U. Fletcher High School.

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Active

Active·108 days on market·Seascape Condo

1601 Ocean Drive S 408

Jacksonville Beach, FL 32250

$679,000$612/sqftEst. $3,491/moMLS# 2145018

Beds

Baths

1,110

Sq Ft

1974

Built

—

Garage

Pool

About this home

Seascape Condo

HUGE price reduction and seller says to bring your offers! A 1-year home warranty with an acceptable offer, a clean 4-point inspection, and ALL assessments paid. What more could you ask for? Questions? Let's talk. Ready to make it yours? Write an offer! Some people talk about living on the ocean. This is where you actually do it. Imagine your morning: no alarm, just light -- warm Atlantic sunrise pouring through the windows and washing across 32 feet of private balcony. You open the door, feel the ocean breeze, and realize this isn't a vacation. This is Tuesday. Seascape #408 is a 4th-floor, east-facing 2-bedroom, 2-bath condo in Jacksonville Beach that has been thoughtfully maintained and is ready to receive you exactly as promised -- mostly furnished, move-in ready, and positioned to make the transition from dreaming to living as effortless as possible.

Cost to own

Mortgage calculator

Home Price

$679,000

Down Payment: 20%

$135,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,491

Principal & Interest: $3,491

Property taxes (est.): $1,109

Insurance (est.): $453

Estimated Total Monthly

$5,052

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,491

Property taxesest. at asking price, Duval County$1,109

HOAbilled monthly$1,267

Estimated total, before insurance$5,866/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,159/yr · $930/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: $640,000 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$605,000	$605,000	—
2024	$557,700	$557,700	—
2023	$537,900	$537,900	—
2022	$480,150	$480,150	—
2021	$427,350	$427,350	—
2020	$388,500	$388,500	—

2025 property taxes (current owner): $11,159/yr

Estimated taxes if purchased at asking price: ~$13,300/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 1974)

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: ~1,688 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

Price & status history

Aug 11, 2026Price change$679,000−$20,900
May 13, 2026Listed$699,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$679,000

Price / Sq Ft$612

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,110

Acres0.01 acres

Year Built1974

TypeResidential

Sub-TypeCondominium

StyleContemporary, Mid-Century Modern

StatusActive

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

ElementarySeabreeze

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address1601 Ocean Drive S 408, Jacksonville Beach, FL 32250

Area212-Jacksonville Beach-SE

SubdivisionSeascape Condo

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size435.6 sq ft

Parcel Number1792950084

Amenities

AmenitiesPool, Barbecue, Beach Access, Children's Pool, Elevator(s), Fitness Center, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management- On Site, Sauna, Service Elevator(s), Storage, Trash, Water

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Assigned, Guest

ViewBeach, Ocean, Pool

Waterfront TypeOcean Access, Ocean Front