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

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Active

Active·45 days on market·Oceanside Park

625 12th Avenue S

Jacksonville Beach, FL 32250

$699,900$478/sqftEst. $3,594/moMLS# 2154684

Beds

Baths

1,465

Sq Ft

2024

Built

Garage

Pool

About this home

Oceanside Park

No HOA and a spacious backyard with room for a pool, extended pavers, an outdoor kitchen, or a custom entertaining space make this new-construction Jacksonville Beach townhome a rare find. Located on desirable 12th Avenue South, this contemporary three-story residence offers 3 bedrooms, 3.5 bathrooms, and an open, light-filled floor plan designed for modern coastal living. The street is bordered on one side by a scenic park and canal, creating a peaceful setting for morning walks, playtime with the kids, or time outdoors with your pets. All of this is just minutes from the beach, local dining, shopping, and entertainment. Schedule your private showing today and experience the space, lifestyle, and flexibility this home has to offer.

Cost to own

Mortgage calculator

Home Price

$699,900

Down Payment: 20%

$139,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,594

Principal & Interest: $3,594

Property taxes (est.): $1,143

Insurance (est.): $467

Estimated Total Monthly

$5,204

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,594

Property taxesest. at asking price, Duval County$1,143

Estimated total, before insurance$4,737/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	$2,153,553	$1,843,502	—

Estimated taxes if purchased at asking price: ~$13,700/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 2024)

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

Solar potential: ~1,756 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