Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Constitution Cove, Jacksonville Beach — a waterfront home in Jacksonville.

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Active

Active·46 days on market·Constitution Cove

3346 America Avenue

Jacksonville Beach, FL 32250

$594,900$390/sqftEst. $3,068/moMLS# 2151777

Beds

Baths

1,525

Sq Ft

1980

Built

Garage

Pool

About this home

Constitution Cove

Don't miss this waterfront, light-filled one-story South Jacksonville Beach home close to JTB access, beaches, shops, restaurants & groceries. Birds and turtles love this spot and so will you, especially at sunset! Well-maintained by this longtime owner, a major plus is a new roof 3 years ago. Other updates include wood flooring in bedrooms, tile accents in bathrooms, a gas range and oven, and updated appliances. Attached to the listing is an appraiser's drawing; he labelled what we would call the Family Room the dining room - this open area and the primary bedroom have beautiful water views through sliding glass doors. Outside, there are new wood decks in addition to the concrete one, a firepit and a DCS gas grille! There is no carpet - just hard surfaces, perfect for the beach life. This location is hard to beat!

Cost to own

Mortgage calculator

Home Price

$594,900

Down Payment: 20%

$118,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,068

Principal & Interest: $3,068

Property taxes (est.): $971

Insurance (est.): $397

Estimated Total Monthly

$4,436

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,068

Property taxesest. at asking price, Duval County$971

Estimated total, before insurance$4,039/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$457,217	$138,222	—
2024	$477,450	$133,620	—
2023	$399,628	$128,272	—
2022	$315,217	$123,080	—
2021	$276,116	$118,039	—
2020	$232,342	$115,719	—

Estimated taxes if purchased at asking price: ~$11,700/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1980)

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

Sewer · FL0020231 - City of Jacksonville Beach · Public water (record)

County records show this parcel on central sewer served by FL0020231 - City of Jacksonville Beach — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,412 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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