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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jardin de Mer, Jacksonville Beach — a home near Duncan U. Fletcher High School.

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Active·91 days on market·Jardin de Mer

22 Jardin De Mer Place 22

Jacksonville Beach, FL 32250

$289,000$193/sqftEst. $1,601/moMLS# 2155096
↓ $10,000 below original list
3
Beds
2
Baths
1,500
Sq Ft
2003
Built
1
Garage
No
Pool

7 more homes for sale in Jardin de Mer →Search Jardin de Mer on the map

FEMA Zone XHOA $300/moCondominium1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jardin de Mer

This ground floor 3 bed, 2 bath beach condominium is refurbished, refreshed and ready to move right in. Hard to believe but at this price, you also get a garage and live just one mile to the beach. With 1500 square feet and over 8' ceilings, all of the space is open and oversized. This home has been freshly painted along with new LVP flooring installed throughout. New fans and new fixtures too. With stainless appliances and pantry closet, the large kitchen has plenty of storage and counter space. Separating the kitchen and living space is a huge breakfast bar and adjoining dining room. The 14'x16' Primary has a private balcony, a walk-in closet and another closet for linens (or shoes). The ensuite bath is oversized with a wall-to-wall vanity with dual sinks and abundant storage. The other two sizeable sun-lit bedrooms share another bath. A convenient laundry room is off the kitchen. There is a large storage closet inside the condominium along with another closet in the garage.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,601
Property taxesest. at asking price, Duval County$472
HOAbilled monthly$300
Estimated total, before insurance$2,373/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$289,000
$57,800
Loan Term
Monthly Payment
$1,601
Principal & Interest: $1,601
Property taxes (est.): $472
Insurance (est.): $193
Estimated Total Monthly
$2,265
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 — year not disclosed (home built 2003)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,799 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.

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$5,700/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, NEFMLS.

History

Price & status history

  • Sep 13, 2026Price change$289,000−$10,000
  • Jul 13, 2026Listed$299,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $323/sq ft; this home is listed at $193/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
151 Jardin De Mer Place 151, Jacksonville Beach, FL 32250Listed by LIFESTYLE REAL ESTATE INC.Aug 2026$278,150$2322/21,2001180.1
1035 1st Avenue N, Jacksonville Beach, FL 32250Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$571,000$3253/3.51,75600.5
1059 1st Avenue N, Jacksonville Beach, FL 32250Listed by OLYMPUS EXECUTIVE REALTY, INCAug 2026$555,000$3163/3.51,75600.5
820 5th Avenue S, Jacksonville Beach, FL 32250Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$502,000$2673/2.51,88260.7
342 4th Street N, Jacksonville Beach, FL 32250Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$670,000$3573/3.51,8765170.9
721 11th Avenue S, Jacksonville Beach, FL 32250Listed by EXP REALTY LLCAug 2026$600,000$3233/2.51,85911

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$289,000
Price / Sq Ft$193
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,500
Total Structure Area12,000 sq ft
Year Built2003
TypeResidential
Sub-TypeCondominium
Property ConditionUpdated/Remodeled
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address22 Jardin De Mer Place 22, Jacksonville Beach, FL 32250
Area214-Jacksonville Beach-SW
SubdivisionJardin De Mer
CityJacksonville Beach
CountyDuval
StateFL
Zip Code32250
Parcel Number1773871110
ZoningCondominium

Amenities

AmenitiesMaintenance Grounds, Maintenance Structure
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Assigned, Garage, Guest

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchPatio
RoofShingle
ConstructionStucco

Additional Information

Date ListedJuly 13, 2026
Days on Market70
HOA Fees$300 / Monthly
HOA FrequencyMonthly
HOA NameJardin de Mer
Tax Amount$4,943.31
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Jardin de Mer

Jardin de Mer is a neighborhood in Jacksonville Beach Condos, FL (Duval County), ZIP 32250.

View all Jardin de Mer homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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