This home is in Jacksonville Beach.

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Active·18 days on market

1318 1st Street N

Jacksonville Beach, FL 32250

$2,575,000$645/sqftEst. $13,705/moMLS# 2152893

Beds

Baths

3,995

Sq Ft

—

Built

Garage

Pool

About this home

Jacksonville Beach

Enjoy coastal luxury at its finest in this end-unit beachfront residence offering stunning ocean views and approx.. 4,000 sq. ft. of impeccable designed living space. Flooded w/natural light & endless water vistas, this exceptional home delivers the perfect blend of elegance, comfort, & seaside living. 4 bds & 5 baths, the residence showcases high-end finishes throughout, including refined materials & designer details, open-concept floor plan is ideal for both everyday living & entertaining, with expansive living and dining areas that flow seamlessly toward the ocean. Enjoy breathtaking views from private balconies on the 2nd & 3rd floors, perfect for morning coffee or evening cocktails or simply listening to the waves. As an end-unit, with a large, garage, this property offers enhanced privacy & additional windows. Whether used as a primary residence, vacation retreat, or luxury investment, this extraordinary beachfront home delivers an unmatched coastal lifestyle.

Cost to own

Mortgage calculator

Home Price

$2,575,000

Down Payment: 20%

$515,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$13,088

Principal & Interest: $13,088

Est. Taxes & Insurance: $3,272

Estimated Total Monthly

$16,361

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$13,705

Property taxesest. at asking price, Duval County$4,205

Estimated total, before insurance$17,910/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

2025 property taxes (current owner): $6,457/yr

Estimated taxes if purchased at asking price: ~$50,500/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, 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: Shingle

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

Solar potential: ~1,648 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History