This home is in Oceanside Park, Jacksonville Beach.

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Active

Active·45 days on market·Oceanside Park

402 11th Avenue S

Jacksonville Beach, FL 32250

$739,900$399/sqftEst. $3,773/moMLS# 2149614

Beds

Baths

1,855

Sq Ft

2019

Built

Garage

Yes

Pool

About this home

Oceanside Park

Welcome home to this beautifully maintained coastal retreat offering the perfect blend of style, functionality, and beach-town charm. Situated on a spacious corner lot lined with mature palm trees, this home features an inviting open-concept floor plan, soaring ceilings, and abundant natural light throughout. The heart of the home is the expansive living area with wood-look tile flooring, designer finishes, and seamless access to the private backyard oasis. Step outside to enjoy a custom paver patio, cozy fire pit gathering area, and sparkling pool--perfect for entertaining, relaxing, or enjoying Florida's year-round sunshine. The spacious owner's suite offers a peaceful retreat with vaulted ceilings, private balcony access, and a beautifully updated spa-inspired bathroom featuring dual vanities, granite countertops, and a luxurious walk-in glass shower. Additional bedrooms provide flexibility for guests, family, a home office, or fitness space.

Cost to own

Mortgage calculator

Home Price

$739,900

Down Payment: 20%

$147,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,773

Principal & Interest: $3,773

Property taxes (est.): $1,208

Insurance (est.): $493

Estimated Total Monthly

$5,474

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,773

Property taxesest. at asking price, Duval County$1,208

Estimated total, before insurance$4,981/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,476/yr · $540/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• 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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$532,394	$342,228	—
2024	$551,165	$331,876	▼ $1,462
2023	$534,380	$320,754	—
2022	$465,670	$309,956	—
2021	$360,949	$299,472	—
2020	$322,693	$272,693	—

2025 property taxes (current owner): $6,476/yr

Estimated taxes if purchased at asking price: ~$14,500/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 2019)

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

Solar potential: ~1,765 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