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This home is in Ocean Forest, Jacksonville Beach.

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Active·2 days on market·Ocean Forest

1338 Pinewood Road

Jacksonville Beach, FL 32250

$775,000$504/sqftEst. $3,951/moMLS# 2158224

Beds

Baths

1,537

Sq Ft

1960

Built

—

Garage

Pool

About this home

Ocean Forest

Located within a quiet, established coastal enclave in the highly sought-after Ocean Forest community of Jacksonville Beach, this beautifully renovated 3-bedroom, 2-bathroom home offers a wonderful blend of comfort, style, and opportunity. Completely renovated throughout, the home is move-in ready while still offering the flexibility to grow with your needs. The spacious backyard provides plenty of room for entertaining, relaxing, or adding a pool. An existing layout also offers the potential for an easy conversion to a 4-bedroom, 3-bathroom home, creating even more space and versatility. Ideally located near the beach, shopping, dining, and all that Jacksonville Beach has to offer, this is a wonderful opportunity to enjoy the coastal lifestyle in a desirable established community.

Cost to own

Mortgage calculator

Home Price

$775,000

Down Payment: 20%

$155,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,951

Principal & Interest: $3,951

Property taxes (est.): $1,265

Insurance (est.): $517

Estimated Total Monthly

$5,734

*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$3,951

Property taxesest. at asking price, Duval County$1,265

Estimated total, before insurance$5,217/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 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: material not specified — year not disclosed (home built 1960)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,617 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 August 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