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Active·1 day on market

222 1st Street S

Jacksonville Beach, FL 32250

$2,100,000$700/sqftEst. $10,807/moMLS# 2159717

Beds

Baths

3,000

Sq Ft

1942

Built

—

Garage

Pool

About this home

Jacksonville Beach

Don't miss this rare opportunity to own an income-producing quadplex in the heart of Jacksonville Beach, just steps from the beach and directly across from beach access. With an unbeatable location, unobstructed ocean views, 8 on-site parking spaces, and strong short-term rental potential, this property is an exceptional Jacksonville Beach investment opportunity. Completely renovated in the fall of 2022, this turnkey property features four updated units and is currently operating as an active Airbnb with consistent bookings. The property offers an excellent opportunity for investors seeking a beach rental, vacation rental, short-term rental, or income-producing multifamily property in one of Northeast Florida's most desirable coastal markets. The four units include:

Cost to own

Mortgage calculator

Home Price

$2,100,000

Down Payment: 20%

$420,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$10,807

Principal & Interest: $10,807

Property taxes (est.): $3,429

Insurance (est.): $1,400

Estimated Total Monthly

$15,636

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$10,807

Property taxesest. at asking price, Duval County$3,429

Estimated total, before insurance$14,236/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$19,286/yr · $1,607/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): $19,286/yr

Estimated taxes if purchased at asking price: ~$41,100/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 AE — 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 1942)

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

Sewer · FL0020231 - City of Jacksonville Beach · Public water (record)

County records show this parcel on central sewer served by FL0020231 - City of Jacksonville Beach — no septic system to inspect or maintain.

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

Solar potential: ~1,787 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