This home is in Oceanside Park, Jacksonville Beach.

1 / 87

Active

Active·62 days on market·Oceanside Park

620 Lower 8th Avenue S

Jacksonville Beach, FL 32250

$1,190,000$425/sqftEst. $6,334/moMLS# 2145561

Beds

Baths

2,800

Sq Ft

2026

Built

Garage

Yes

Pool

About this home

Oceanside Park

Brand-new coastal construction in Jacksonville Beach! Light, bright, and filled with thoughtful upgrades, this home offers modern design, elevated finishes, and an easy indoor-outdoor lifestyle in one of the Beaches' most desirable locations. Inside, you'll find 10-foot ceilings, 8-foot doors, and an open layout designed for everyday comfort and entertaining. The gourmet kitchen features a large quartz island, standalone cooktop, stainless appliances, abundant cabinetry, and a walk-in pantry. The spacious living area flows through tall stackable sliders to a pavered outdoor space, creating the perfect setting for relaxing or hosting. The home features generously sized bedrooms, ample closet space, no carpet throughout, and a flexible floor plan with room to live, work, and gather. Pool renderings are already available for inspiration and the price includes a finished pool! We've got you covered! Reach out to us personally via text or call for more information. 7 year builder warranty!

Cost to own

Mortgage calculator

Home Price

$1,190,000

Down Payment: 20%

$238,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$6,049

Principal & Interest: $6,049

Est. Taxes & Insurance: $1,512

Estimated Total Monthly

$7,561

*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$6,334

Property taxesest. at asking price, Duval County$1,943

Estimated total, before insurance$8,277/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	$404,070	$0	—

Estimated taxes if purchased at asking price: ~$23,300/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 X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,570 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