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 Jacksonville Beach — a home near Duncan U. Fletcher High School.

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Active

Active·19 days on market

1207 14th Street N

Jacksonville Beach, FL 32250

$679,000$404/sqftEst. $3,502/moMLS# 2152995

Beds

Baths

1,680

Sq Ft

1977

Built

Garage

Pool

About this home

Jacksonville Beach

Updated, move-in ready and surprisingly private, this 3-bedroom, 2-bath home offers the space and outdoor living that make Jacksonville Beach living so easy to enjoy. Wood-look tile flows throughout the main living areas, while the renovated kitchen features white shaker cabinets, quartz countertops, stainless steel appliances, a deep single-basin sink and tile backsplash. Both bathrooms have been beautifully updated with modern finishes. Outside, an oversized deck and custom pergola surrounded by lush landscaping create a private retreat for relaxing or entertaining. An attached garage, fenced backyard, generous 75' x 102' lot and dead-end street add everyday functionality that's not always easy to find at the beach. With no HOA and the ocean, parks and restaurants just a short bike ride away, this home combines updated comfort with the laid-back Jacksonville Beach lifestyle.

Cost to own

Mortgage calculator

Home Price

$679,000

Down Payment: 20%

$135,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,502

Principal & Interest: $3,502

Property taxes (est.): $1,109

Insurance (est.): $453

Estimated Total Monthly

$5,063

*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$3,502

Property taxesest. at asking price, Duval County$1,109

Estimated total, before insurance$4,610/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,649/yr · $304/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	$510,518	$188,994	—
2024	$537,342	$182,961	—
2023	$519,887	$176,176	—
2022	$478,776	$169,589	—
2021	$362,489	$163,194	—
2020	$356,257	$160,251	—

2025 property taxes (current owner): $3,649/yr

Estimated taxes if purchased at asking price: ~$13,300/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 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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1977)

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: ~1,630 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