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 Atlantic Shores, Jacksonville Beach — an oceanfront home in Northeast Florida.

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Active

Active·44 days on market·Atlantic Shores

2709 Ocean Drive S

Jacksonville Beach, FL 32250

$4,100,000$1311/sqftEst. $21,100/moMLS# 2152978

Beds

Baths

3,127

Sq Ft

1990

Built

Garage

Pool

About this home

Atlantic Shores

Rare opportunity to own oceanfront property in highly desirable South Jacksonville Beach, where opportunities like this are limited. Wake up to breathtaking sunrises and enjoy the soothing ocean breezes from your private beach walkover just steps from your back door. Relax on the built-in dune benches while taking in the spectacular coastal views.The second floor features a spacious primary suite with a private oceanfront balcony, along with two additional bedrooms. The third floor offers exceptional flexibility as a fourth bedroom, media room, or an incredible home office with its own balcony, panoramic views, and a convenient half bath.The fully fenced backyard provides outstanding privacy, creating the perfect setting for entertaining or relaxing after a day at the beach. Pella windows have been replaced where needed and include a transferable warranty. Air conditioned laundry room in garage. Great storage. A short bike ride to top rated restaurants and shopping. Superb location...

Cost to own

Mortgage calculator

Home Price

$4,100,000

Down Payment: 20%

$820,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$21,100

Principal & Interest: $21,100

Property taxes (est.): $6,695

Insurance (est.): $2,733

Estimated Total Monthly

$30,528

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$21,100

Property taxesest. at asking price, Duval County$6,695

Estimated total, before insurance$27,795/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$47,381/yr · $3,948/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

Last sold: $3,650,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$3,031,117	$2,559,896	—
2024	$3,037,044	$2,487,044	—
2023	$3,030,528	$3,030,528	—
2022	$2,683,178	$698,739	—
2021	$1,697,022	$676,932	—
2020	$1,678,677	$666,896	—

2025 property taxes (current owner): $47,381/yr

Estimated taxes if purchased at asking price: ~$80,300/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 AO — 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 A

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

Roof: Shingle — year not disclosed (home built 1990)

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: ~1,771 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

Aug 6, 2026Price change$4,100,000−$150,000
Jul 6, 2026Listed$4,250,000

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

Features

Price$4,100,000

Price / Sq Ft$1,311

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,127

Acres0.15 acres

Year Built1990

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Traditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

ElementarySeabreeze

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address2709 Ocean Drive S, Jacksonville Beach, FL 32250

Area212-Jacksonville Beach-SE

SubdivisionAtlantic Shores

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size6,534 sq ft

Lot Dimensions50' (Oceanfront) x 132'

Parcel Number1815980100

ZoningResidential

Amenities

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewOcean

Waterfront TypeOcean Front

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Induction Cooktop, Microwave, Refrigerator, Trash Compactor, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, In Garage, Washer Hookup

SecuritySmoke Detector(s)