This home is in Jacksonville Beach.

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Active Under Contract

Active Under Contract·63 days on market

1551 1st Street 103

Jacksonville Beach, FL 32250

$685,000$474/sqftEst. $3,646/moMLS# 2145176

Beds

Baths

1,446

Sq Ft

1984

Built

—

Garage

Pool

About this home

Jacksonville Beach

**A BRAND-NEW AC UNIT WILL BE INSTALLED! Wake up to stunning sunrise views over the Atlantic from this contemporary oceanfront property in one of Jacksonville Beach's most desirable locations! This beautifully maintained 3-bedroom, 2-bath condo offers a modern aesthetic rarely found in beachfront properties, featuring clean lines, open living spaces, and abundant natural light throughout. The open-concept floor plan flows seamlessly to a private balcony overlooking the pool and ocean, creating the perfect indoor-outdoor living space. A second balcony provides additional outdoor access and flexibility. Designed for both style and functionality, the kitchen features premium Jenn-Air appliances, ample prep space, a large island cooktop, and a concealed bar area ideal for entertaining.

Cost to own

Mortgage calculator

Home Price

$685,000

Down Payment: 20%

$137,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,482

Principal & Interest: $3,482

Est. Taxes & Insurance: $870

Estimated Total Monthly

$4,352

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$3,646

Property taxesest. at asking price, Duval County$1,118

HOAbilled monthly$1,190

Estimated total, before insurance$5,954/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

Year	Market value	Taxable value	Change
2025	$621,500	$621,500	—
2024	$621,500	$439,212	—
2023	$620,400	$424,964	—
2022	$614,350	$411,131	▼ $12,650
2021	$447,700	$397,700	—
2020	$447,700	$397,700	—

2025 property taxes (current owner): $11,464/yr

Estimated taxes if purchased at asking price: ~$13,400/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 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

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