1869 S 2nd Street S

Jacksonville Beach, FL 32250

$1,499,900$453/sqftEst. $7,648/moMLS# 2157410

Beds

Baths

3,313

Sq Ft

1998

Built

Garage

Pool

About this home

Jacksonville Beach

Own your own beach getaway or maximize your portfolio with this turnkey, low-maintenance coastal asset located just steps from the ocean in high demand South Jacksonville Beach. Zero HOA restritctions and a three-story layout, maximizes rental versatility. 4 large bedrooms, including two private en-suite setups. The interior boasts a durable , upscale galley kitchen with solid oak cabinets, solid surface countertops, a classic farmhouse sink, and a built-in wine chiller. Outside, a low-maintenance yard features front and back patio seating, an artificial turf dog walk, a beach-ready outdoor shower, and a 1 car garage. Perfect for short-term, mid-term, or long-term rental strategies in a premier beach market.

Cost to own

Mortgage calculator

Home Price

$1,499,900

Down Payment: 20%

$299,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$7,648

Principal & Interest: $7,648

Property taxes (est.): $2,449

Insurance (est.): $1,000

Estimated Total Monthly

$11,097

*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$7,648

Property taxesest. at asking price, Duval County$2,449

Estimated total, before insurance$10,097/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,736/yr · $1,561/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

Year	Market value	Taxable value	Change
2025	$1,058,090	$1,058,090	—
2024	$1,094,862	$1,094,862	—
2023	$1,029,212	$1,029,212	—
2022	$633,475	$633,475	—

2025 property taxes (current owner): $18,736/yr

Estimated taxes if purchased at asking price: ~$29,400/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 (2025), NEFMLS.

History