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This home is in Seascape Condo, Jacksonville Beach — an oceanfront home in Northeast Florida.

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Active

Active·36 days on market·Seascape Condo

1601 Ocean Drive S 403

Jacksonville Beach, FL 32250

$875,000$788/sqftEst. $4,545/moMLS# 2158673

Beds

Baths

1,110

Sq Ft

1974

Built

—

Garage

Pool

About this home

Seascape Condo

SOUTH JAX BEACH 4TH-FLOOR CONDO! Steps to the sand at 1601 Ocean Dr S #403. Lock-and-leave convenience, ocean breezes, and prime walkability to top dining, cafes & nightlife. Perfect beach retreat or full-time coastal oasis. Experience effortless coastal living at 1601 Ocean Dr S, Unit 403, located in the heart of South Jacksonville Beach. Elevate your everyday lifestyle with elevated 4th-floor ocean breezes, unbeatable walkability, and lock-and-leave convenience just steps from the sand. Prime South Jax Beach Location Direct access to the beach--cross the street or walk mere steps to the shoreline. Unmatched walkability and bikeability to premier local dining, beach boutiques, coastal cafes, and vibrant nightlife. Central access to J. Turner Butler Blvd (JTB) for an easy commute to Mayo Clinic, St. Johns Town Center, and Downtown Jacksonville. 1 Car Garage Available at $150,000 for purchase. Sold separately.

Cost to own

Mortgage calculator

Home Price

$875,000

Down Payment: 20%

$175,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$4,545

Principal & Interest: $4,545

Property taxes (est.): $1,429

Insurance (est.): $583

Estimated Total Monthly

$6,557

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$4,545

Property taxesest. at asking price, Duval County$1,429

HOAbilled monthly$1,360

Estimated total, before insurance$7,334/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,923/yr · $1,077/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): $12,923/yr

Estimated taxes if purchased at asking price: ~$17,100/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 AO — 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 1974)

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: ~1,688 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

Price & status history

Aug 5, 2026Listed$875,000

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

Features

Price$875,000

Price / Sq Ft$788

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,110

Acres0.01 acres

Year Built1974

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontYes

Community Information

Address1601 Ocean Drive S 403, Jacksonville Beach, FL 32250

Area212-Jacksonville Beach-SE

SubdivisionSeascape Condo

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size435.6 sq ft

Parcel Number1792950074

Amenities

AmenitiesPool, Beach Access, Elevator(s), Fitness Center, Maintenance Grounds, Management - Full Time, Management- On Site, Sauna, Service Elevator(s), Spa/Hot Tub, Storage

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage, Guest, Parking Lot

ViewBeach, Ocean

Waterfront TypeOcean Access, Ocean Front