This home is in Jacksonville Beach.

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1867 S 2nd Street S

Jacksonville Beach, FL 32250

$650,000$430/sqftEst. $3,304/moMLS# 2156355

Beds

Baths

1,512

Sq Ft

1990

Built

—

Garage

Pool

About this home

Jacksonville Beach

Enjoy the best of beach living in this beautifully updated townhome located east of A1A, just one block from the Atlantic Ocean with easy beach access. Situated on a quiet street, you'll love being within walking distance to Whole Foods, restaurants, shopping, and the oceanfront park featuring tennis, basketball, playgrounds, fishing, and more. The open-concept first floor offers an updated kitchen and living area that opens to a private fenced backyard with patio, perfect for entertaining. The second floor features two guest bedrooms connected by a Jack-and-Jill bath and a convenient laundry area. The entire third floor is dedicated to the spacious owner's suite with a walk-in closet, soaking tub, separate shower, private balcony, and its own full-size washer and dryer. Currently a successful VRBO, this property also makes the perfect primary residence, second home, or investment opportunity in one of Jacksonville Beach's most desirable locations.

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,304

Principal & Interest: $3,304

Property taxes (est.): $1,061

Insurance (est.): $433

Estimated Total Monthly

$4,799

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$3,304

Property taxesest. at asking price, Duval County$1,061

Estimated total, before insurance$4,365/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

2025 property taxes (current owner): $9,578/yr

Estimated taxes if purchased at asking price: ~$12,700/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.

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 A

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

Roof: Shingle — year not disclosed (home built 1990)

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: ~1,773 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