Ocean Terrace South Beach

4045 E SEASIDE DR

Jacksonville Beach, FL 32250
For Sale $950,000
3 bd · 3 ba · 3,347 sqft · Built 2015
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of PONTE VEDRA COASTAL REALTY, INC. (piatt@bellsouth.net). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

Coastal sophistication meets impeccable style in this stunning South Jacksonville Beach home. Soaring ceilings and walls of windows create a luminous backdrop for gorgeous new wood floors, plantation shutters and a beautifully curated interior. Custom built-ins elevate the dedicated study, while the kitchen overlooks a spacious great room and makes an elegant statement with white soft-close cabinetry, gleaming countertops and top-of-the-line appliances. The private first-floor owner's suite is a serene escape, complete with a spa-like bath. Two upstairs bedrooms and a versatile loft offer inviting spaces for family and guests. Overlooking the fenced backyard, the screened porch sets the scene for leisurely mornings and relaxed evenings after the beach. Pristine and move-in ready, this exceptional home places Trader Joe's and restaurants within walking distance, with convenient access to Mayo Clinic, St. Johns Town Center and downtown Jacksonville via Butler Boulevard.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $33,250
$8,715/mo
Principal & interest$6,357
Property tax (est.)$1,188
Insurance (est.)$713
FHA MIP$420
HOA dues$38
CDD assessment$0
Cash to close: ~$33,250 down · MIP financed
VA
$0 down
$8,551/mo
Principal & interest$6,613
Property tax (est.)$1,188
Insurance (est.)$713
VA fee (financed)$0
HOA dues$38
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $190,000
$7,117/mo
Principal & interest$5,179
Property tax (est.)$1,188
Insurance (est.)$713
PMI$0
HOA dues$38
CDD assessment$0
Cash to close: ~$190,000 down

Rate: 7.240% (Freddie Mac 30-yr avg, as of Oct 29, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.88% effective millage, plus actual HOA. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2015
Heated area2,871 sq ft
Lot size4,776 sq ft
SubdivisionOCEAN TERRACE SOUTH BEACH
Parcel (RE#)181403-0750
Legal description67-143 09-3S-29E .11

Valuation · 2025

Value

Just / Market
$950,000
Assessed
$699,406
Taxable
$648,684
2025 Property Tax
$12,209
Homestead Exemption
Yes $50,722 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$450 / Annually
CDD Assessment
—

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

No recorded sale history is on file for this property.

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Beaches Energy Services
💧 Water
City of Jacksonville Beach
🚽 Sewer
City of Jacksonville Beach

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Elementary (zoned)
Middle (zoned)
High (zoned)

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Public Records

Crime Reports Near 4045 E SEASIDE DR

14
incident reports recorded by the Jacksonville Sheriff's Office within 1 mile of Ocean Terrace South Beach, the 12 months ending July 31, 2026.

This is an area figure, not a figure about 4045 E SEASIDE DR. The HOA Collective does not rate addresses or neighborhoods and publishes no safety score. Reports are made to law enforcement rather than proven, are recorded at the hundred block rather than the exact address, and a circle takes in streets and businesses that have nothing to do with this home. Source: Jacksonville Sheriff's Office open data, updated daily. Search this address yourself →

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Ocean Terrace South Beach? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Ocean Terrace South Beach every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

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Questions & Answers

Frequently Asked

What schools serve 4045 E SEASIDE DR?
The zoned public schools for 4045 E SEASIDE DR in Ocean Terrace South Beach are Seabreeze Elementary (elementary), Duncan U Fletcher MS (middle), Duncan Fletcher HS (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 4045 E SEASIDE DR?
The most recent annual property tax for 4045 E SEASIDE DR is about $12,209 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 4045 E SEASIDE DR?
Homes in Ocean Terrace South Beach have an HOA fee of about $450 per year (based on recent MLS listings).
How big is 4045 E SEASIDE DR?
4045 E SEASIDE DR is a 2,871 sq ft home built in 2015 in Ocean Terrace South Beach, Duval County, FL.
What would the monthly payment be on 4045 E SEASIDE DR?
At about a 7.24% 30-year rate, the estimated monthly payment for 4045 E SEASIDE DR is roughly $7,117 with a conventional loan (20% down), $8,715 with FHA (3.5% down), or $8,551 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Ocean Terrace South Beach HOA. Use the payment calculator on this page to adjust the numbers.
Is 4045 E SEASIDE DR in a safe area?
The HOA Collective does not rate addresses or neighborhoods as safe or unsafe and publishes no safety score. For the surrounding area, the Jacksonville Sheriff's Office recorded 14 incident reports within 1 mile of Ocean Terrace South Beach, the community 4045 E SEASIDE DR sits in, during the 12 months ending July 31, 2026. Those are reports made to law enforcement rather than charges or convictions, they are recorded by hundred block rather than exact address, and the circle takes in streets and businesses unrelated to this home. The figure and its source are published at thehoacollective.com/communities/ocean-terrace-south-beach/4045-e-seaside-dr.

Property data is sourced from the Duval County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.