This home is in Oceans Edge Condos, Jacksonville Beach.

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Active Under Contract

Active Under Contract·46 days on market·Oceans Edge Condos

101 25th Avenue S J15

Jacksonville Beach, FL 32250

$415,000$353/sqftEst. $2,209/moMLS# 2147106

Beds

Baths

1,174

Sq Ft

1973

Built

—

Garage

Pool

About this home

Oceans Edge Condos

One block from the ocean means the beach becomes part of your normal day instead of an ''event'': sunrise walks before the city wakes up coffee with salt air coming through the patio evening beach walks without planning around parking hearing the ocean at night And if the condo itself is gorgeous, it stops feeling like just a place to stay and starts feeling like a lifestyle upgrade. ''Walks on the beach every day'' is one of those simple things that quietly changes stress levels, sleep, mood, and overall quality of life. Hard to argue with ''yes yes yes'' on that. Light and bright ground-floor unit just one block from the ocean! Easy access to the beach, restaurants, shopping, and more. Features granite countertops and a comfortable open feel throughout. Relax on the private patio and enjoy the coastal lifestyle every day -- morning sunrises, beach walks, and ocean breezes included. Parking spot in front of unit.

Cost to own

Mortgage calculator

Home Price

$415,000

Down Payment: 20%

$83,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,109

Principal & Interest: $2,109

Est. Taxes & Insurance: $527

Estimated Total Monthly

$2,637

*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$2,209

Property taxesest. at asking price, Duval County$678

HOAbilled monthly$794

Estimated total, before insurance$3,681/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	$337,000	$286,278	—
2024	$360,500	$296,914	—
2023	$354,500	$286,810	—
2022	$327,000	$277,000	—
2021	$258,000	$258,000	—
2020	$247,500	$247,500	—

2025 property taxes (current owner): $5,444/yr

Estimated taxes if purchased at asking price: ~$8,100/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: material not specified — year not disclosed (home built 1973)

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

Sewer · FL0020231 - City of Jacksonville Beach · Public water (record)

County records show this parcel on central sewer served by FL0020231 - City of Jacksonville Beach — no septic system to inspect or maintain.

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

Solar potential: ~1,701 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