This home is in Ocean Forest, Jacksonville Beach — a home near Duncan U. Fletcher High School.
Pending·50 days on market·Ocean Forest
1746 Penman Road
Jacksonville Beach, FL 32250
About this home
Ocean Forest
Completely renovated and perfectly located just minutes from the beach, this beautifully updated 3-bedroom, 2-bath home offers the ideal blend of modern style and coastal living. From the moment you step inside, you'll appreciate the bright, open layout, quality finishes, and thoughtful updates throughout. The spacious kitchen flows seamlessly into the living and dining areas, making it perfect for entertaining or everyday living. Both bathrooms have been tastefully updated, while the generous bedrooms provide comfortable retreats. Outside, the oversized lot offers endless possibilities--room for a pool, outdoor entertaining, gardening, or simply enjoying your own private backyard oasis.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Last sold: $290,000 in October 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $462,162 | $462,162 | — |
| 2024 | $260,103 | $260,103 | — |
| 2023 | $298,417 | $33,746 | — |
| 2022 | $286,627 | $31,307 | — |
| 2021 | $234,475 | $28,939 | — |
| 2020 | $231,984 | $27,850 | — |
2025 property taxes (current owner): $8,525/yr
Estimated taxes if purchased at asking price: ~$12,200/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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Metal — year not disclosed (home built 1958)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,653 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 homeThis 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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Ocean Forest
Ocean Forest is a neighborhood in Jacksonville Beach, FL (Duval County), ZIP 32250.
View all Ocean Forest homes for sale →Listing Courtesy of: CENTURY 21 BEGGINS ENTERPRISES
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Ocean Forest
Active$775,000MLS# 2158224Est. $4,125/mo1338 Pinewood Road, Jacksonville Beach, FL 322503 Beds2 Baths1,537 sqftLocated within a quiet, established coastal enclave in the highly sought-after Ocean Forest community of Jacksonville…
ResidentialKELLER WILLIAMS REALTY ATLANTIC PARTNERS
Pending$945,000MLS# 2154314Est. $5,030/mo1911 Tanglewood Road, Jacksonville Beach, FL 322504 Beds3 Baths2,770 sqftBeautifully updated mid-century pool home on an oversized, private lot in the heart of Jacksonville Beach! This…
ResidentialHERRON REAL ESTATE LLC
Keep looking
Similar homes in Jacksonville Beach
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines