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Active·45 days on market

77 Jardin De Mer Place 77

Jacksonville Beach, FL 32250

$295,000$197/sqftEst. $1,518/moMLS# 2153280

Beds

Baths

1,500

Sq Ft

2003

Built

Garage

Pool

About this home

Jacksonville Beach

Welcome to your new home in the heart of Jacksonville Beach! This beautifully maintained 3-bedroom, 2-bath condo offers the perfect blend of comfort, convenience, and coastal living. Featuring brand-new luxury vinyl plank (LVP) flooring throughout, the spacious layout includes generously sized bedrooms and an attached separate garage for added storage and parking. New roof! Enjoy one of the area's most desirable locations--just a short walk to local favorites like Tacolu's and Angie's Subs, and only minutes from the beach, where you can soak up the sun or catch an evening sunset. Commuters will appreciate the easy access to NS Mayport, while healthcare professionals will love being close to major medical centers, including Beaches Baptist Medical Center, Mayo Clinic, and Ascension St. Vincent's. With some of Jacksonville Beach's best restaurants, shopping, entertainment, and outdoor activities just minutes away, this condo offers the ideal Florida lifestyle.

Cost to own

Mortgage calculator

Home Price

$295,000

Down Payment: 20%

$59,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,518

Principal & Interest: $1,518

Property taxes (est.): $482

Insurance (est.): $197

Estimated Total Monthly

$2,196

*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$1,518

Property taxesest. at asking price, Duval County$482

HOAbilled monthly$170

Estimated total, before insurance$2,170/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,943/yr · $412/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	$268,000	$268,000	—
2024	$281,500	$249,939	—
2023	$261,000	$227,218	—
2022	$245,000	$206,562	—
2021	$195,000	$187,784	—
2020	$174,000	$170,713	—

2025 property taxes (current owner): $4,943/yr

Estimated taxes if purchased at asking price: ~$5,800/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 A

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

Roof: material not specified — year not disclosed (home built 2003)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,795 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