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·44 days on market

2114 Gail Avenue C

Jacksonville Beach, FL 32250

$660,000$314/sqftEst. $3,393/moMLS# 2155465

Beds

Baths

2,100

Sq Ft

2003

Built

Garage

Pool

About this home

Jacksonville Beach

This 3-level home is steps from the Atlantic, with pool maintenance by the association. Enjoy all the ocean breezes from one of the 3 balconies, taking in the salt air from sunrise coffee to an evening beverage while enjoying the sounds of the shore. It features an open plan, wood floors, 3 beds with en-suite baths, a guest half bath, and a gourmet kitchen with granite and stainless appliances. The primary suite has dual closets, a soaking tub, and a large shower. The 2nd upstairs suite has 2 California closets and an attached bath. A 1st-floor guest suite has a living/dining area, a private bed, and a bath with a deck to the pool. Onsite parking is available for two cars. Come see why this active, vibrant area of Jax Beach is so well loved, from parks to shopping and toes in the sand in only a couple blocks. You can hear the ocean calling you home.

Cost to own

Mortgage calculator

Home Price

$660,000

Down Payment: 20%

$132,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,393

Principal & Interest: $3,393

Property taxes (est.): $1,078

Insurance (est.): $440

Estimated Total Monthly

$4,911

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,393

Property taxesest. at asking price, Duval County$1,078

HOAbilled monthly$712

Estimated total, before insurance$5,183/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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.

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: ~1,815 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

Price & status history

Aug 18, 2026Price change$660,000−$15,000
Aug 8, 2026Price change$675,000−$20,000
Jul 27, 2026Price change$695,000−$35,000
Jul 15, 2026Listed$730,000

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

Features

Price$660,000

Price / Sq Ft$314

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,100

Acres0.02 acres

Year Built2003

TypeResidential

Sub-TypeCondominium

StyleVilla

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementarySeabreeze

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address2114 Gail Avenue C, Jacksonville Beach, FL 32250

Area212-Jacksonville Beach-SE

SubdivisionJax Beach

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size871.2 sq ft

Parcel Number1794392008

ZoningCondominium

Amenities

AmenitiesPool

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPool

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, In-Law Floorplan, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDryer, Electric Range, Microwave, Washer, Water Softener Owned

HeatingHeat Pump

CoolingCentral Air

FlooringTile, Wood

# of Stories3

LevelsThree Or More

LaundryIn Unit

Spa FeaturesIn Ground