This home is in Seascape Condo, Jacksonville Beach.

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Active

Active·45 days on market·Seascape Condo

1601 Ocean Drive S 205

Jacksonville Beach, FL 32250

$899,000$706/sqftEst. $4,570/moMLS# 2149164

Beds

Baths

1,274

Sq Ft

1974

Built

—

Garage

Pool

About this home

Seascape Condo

Ocean views from your 60' balcony & floor to ceiling glass spands this entire oceanfront condo. This fully renovated 2 BR, 2 BA unit (can be converted back to a 3BR) w/open floor plan & views from every room afford you the ultimate beachfront dream! Located in one of Seascape's most desired stack for 180 degree ocean views, this is a must see! Kitchen w/SS appl, granite, pantry, soft close cabinets. Porcelain tile in main areas & baths. Walk-in closets. Seascape has completed all structural requirements, reserve requirements, complete renovation from roof to landscape, balconies to front elevation, new fitness center, new pool decking & furniture. $8 million w/all special assessments paid. HOA dues include keyless building entry system, fitness center, 2 pools (1 heated), bike storage, personal locker storage, trash, sewer, water, building insurance, building maintenance, on site property manager. HVAC 2026.

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,570

Principal & Interest: $4,570

Property taxes (est.): $1,468

Insurance (est.): $599

Estimated Total Monthly

$6,637

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$4,570

Property taxesest. at asking price, Duval County$1,468

HOAbilled monthly$1,658

Estimated total, before insurance$7,695/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	$830,800	$537,714	—
2024	$830,800	$520,303	—
2023	$813,200	$502,091	—
2022	$746,100	$488,909	▼ $80,000
2021	$633,600	$533,100	—
2020	$534,600	$534,600	—

2025 property taxes (current owner): $10,409/yr

Estimated taxes if purchased at asking price: ~$17,600/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

Jun 6, 2026Listed$899,000

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

Features

Price$899,000

Price / Sq Ft$706

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,274

Acres0.01 acres

Year Built1974

TypeResidential

Sub-TypeCondominium

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontYes

Direction FacesEast

Community Information

Address1601 Ocean Drive S 205, Jacksonville Beach, FL 32250

Area212-Jacksonville Beach-SE

SubdivisionSeascape Condo

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size435.6 sq ft

Parcel Number1792950038

Amenities

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

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Guest, Parking Lot

ViewBeach, Ocean

Waterfront TypeOcean Front