This home is in Surfside, Jacksonville Beach.

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Active

Active·45 days on market·Surfside

1236 1st Street N 505

Jacksonville Beach, FL 32250

$775,000$448/sqftEst. $3,951/moMLS# 2150383

Beds

Baths

1,730

Sq Ft

2007

Built

Garage

Pool

About this home

Surfside

Welcome to paradise in Jacksonville Beach! This stunning 5th-floor SW corner unit at Surfside Condominium offers breathtaking views of the Atlantic Ocean and the iconic pier. Just steps from the sand, this beautifully updated 2BD/2BA condo spans 1,730 sq ft with sophisticated finishes throughout: porcelain tile floors, soft-close cabinetry, and stainless steel appliances. The split bedroom layout provides maximum privacy for residents and guests alike, while the private balcony is the perfect spot to soak in spectacular ocean views and stunning western sunsets every evening. Remote-controlled blinds throughout let you effortlessly set the mood at any hour of the day. Includes a covered assigned garage space and in-unit washer/dryer. Simply cross 1st Street and you're on the beach, with popular dining and entertainment spots like Mellow Mushroom, Salt Life, and Metro Diner all within easy walking distance. The ultimate coastal lifestyle awaits!

Cost to own

Mortgage calculator

Home Price

$775,000

Down Payment: 20%

$155,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,951

Principal & Interest: $3,951

Property taxes (est.): $1,265

Insurance (est.): $517

Estimated Total Monthly

$5,734

*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$3,951

Property taxesest. at asking price, Duval County$1,265

HOAbilled monthly$1,471

Estimated total, before insurance$6,688/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,986/yr · $416/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	$587,000	$261,475	—
2024	$587,000	$253,399	—
2023	$518,500	$244,563	—
2022	$499,000	$499,000	—
2021	$391,000	$391,000	—
2020	$391,000	$391,000	▲ $17,000

2025 property taxes (current owner): $4,986/yr

Estimated taxes if purchased at asking price: ~$15,200/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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 2007)

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

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: ~1,688 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

Jul 15, 2026Price change$775,000−$25,000
Jun 12, 2026Listed$800,000

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

Features

Price$775,000

Price / Sq Ft$448

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,730

Acres0.01 acres

Year Built2007

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Direction FacesSouthwest

School Information

ElementarySan Pablo

MiddleFletcher Jr High

HighDuncan Fletcher

Community Information

Address1236 1st Street N 505, Jacksonville Beach, FL 32250

Area211-Jacksonville Beach-NE

SubdivisionSurfside

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size435.6 sq ft

Parcel Number1747450360

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingOther, Assigned, Covered

ViewBeach, Ocean, Water

Interior

Interior FeaturesButler Pantry, Entrance Foyer, Jack and Jill Bath, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump, Hot Water

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecured Lobby