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

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Active·30 days on market

22 Jardin De Mer Place 22

Jacksonville Beach, FL 32250

$299,000$199/sqftEst. $1,542/moMLS# 2155096

Beds

Baths

1,500

Sq Ft

2003

Built

Garage

Pool

About this home

Jacksonville Beach

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

Mortgage calculator

Home Price

$299,000

Down Payment: 20%

$59,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,542

Principal & Interest: $1,542

Property taxes (est.): $488

Insurance (est.): $199

Estimated Total Monthly

$2,230

*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$1,542

Property taxesest. at asking price, Duval County$488

HOAbilled monthly$300

Estimated total, before insurance$2,330/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

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

Estimated taxes if purchased at asking price: ~$5,900/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.

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.

History