This home is in Jacksonville Beach.

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Active Under Contract

Active Under Contract·45 days on market

1175/1177 5th Street

Jacksonville Beach, FL 32250

$850,000$357/sqftEst. $4,524/moMLS# 2148035

Beds

Baths

2,384

Sq Ft

1988

Built

—

Garage

Pool

About this home

Jacksonville Beach

Live on one side, let the other pay your mortgage. 5 blocks to the ocean. Private oversized lot. 10-minute walk to Whole Foods Market, Marshalls, HomeGoods, and more. Two separately metered units -- each 2BD/2.5BA with open living, updated kitchen & covered porch on a 50x125 lot. 2024 roof, fully re-plumbed 2010, and rewired. Move into the renovated unit day one while the other generates $2,900-$3,100/month in projected rent. Cosmetic value-add on the second unit leaves room to push rents further. The definition of a house hack -- affordable beach living that actually makes financial sense.

Cost to own

Mortgage calculator

Home Price

$850,000

Down Payment: 20%

$170,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,320

Principal & Interest: $4,320

Est. Taxes & Insurance: $1,080

Estimated Total Monthly

$5,401

*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$4,524

Property taxesest. at asking price, Duval County$1,388

Estimated total, before insurance$5,912/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	$638,484	$638,484	—
2025	$521,074	$485,688	—
2024	$618,065	$594,257	—
2024	$569,347	$441,535	—
2023	$602,046	$540,234	—
2023	$553,088	$401,396	—
2022	$580,448	$491,122	—
2022	$447,000	$364,906	—
2021	$446,475	$446,475	—
2021	$383,824	$331,733	—
2020	$428,792	$428,792	—
2020	$301,576	$301,576	—

2025 property taxes (current owner): $9,183/yr

Estimated taxes if purchased at asking price: ~$16,700/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 — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,680 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