This home is in Jacksonville Beach.

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620 1st Street

Jacksonville Beach, FL 32250

$1,089,000$519/sqftEst. $5,552/moMLS# 2156968

Beds

Baths

2,100

Sq Ft

1945

Built

—

Garage

Pool

About this home

Jacksonville Beach

Incredible opportunity a block away from the ocean and just across the street from the beach! Public beach access visible right out the front door. With two downstairs unit and one unit upstairs, this triplex offers a strong potential cash flow with some TLC. Private parking available for each unit. Fenced yard area. Dedicate entrances. City has provided a zoning and development variance for setbacks and other requirements for new construction. Buyer to verify all details with the city. seller is asking for highest and best by 5pm on Wednesday 7.29

Cost to own

Mortgage calculator

Home Price

$1,089,000

Down Payment: 20%

$217,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,552

Principal & Interest: $5,552

Property taxes (est.): $1,778

Insurance (est.): $726

Estimated Total Monthly

$8,057

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$5,552

Property taxesest. at asking price, Duval County$1,778

Estimated total, before insurance$7,331/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,018/yr · $1,085/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): $13,018/yr

Estimated taxes if purchased at asking price: ~$21,300/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1945)

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

Solar potential: ~1,722 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

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