Pablo Surfside

1951 OCEAN DR 1B

Jacksonville Beach, FL 32250
For Sale $892,000
3 bd · 2 ba · 1,530 sqft · Built 1987
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 FLORIDA HOMES REALTY & MTG LLC (Alice@TheSoberays.com). 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

Welcome home to this beautiful 3-bedroom condo in the heart of South Jax Beach. Fresh off a significant building renovation, including full exterior, stairwells, balconies, lobbies, The open floor plan lets light into every corner of the unit. Split bedrooms allow the owners suite to have oceanfront access with views from the other rooms. This oceanfront condo in the boutique 8-unit Pablo Surfside building provides the South Jax Beach coastal lifestyle you are looking for! With 3 bedrooms, 2 baths, and 1,530 sq ft, this first-floor condo offers seamless indoor-outdoor living with sliders opening to the pool. Includes 2 assigned parking space. Well maintained , timeless, and steps from the sand.

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 · $31,220
$8,865/mo
Principal & interest$6,016
Property tax (est.)$1,119
Insurance (est.)$335
FHA MIP$395
HOA dues$1,000
CDD assessment$0
Cash to close: ~$31,220 down · MIP financed
VA
$0 down
$8,713/mo
Principal & interest$6,259
Property tax (est.)$1,119
Insurance (est.)$335
VA fee (financed)$0
HOA dues$1,000
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $178,400
$7,356/mo
Principal & interest$4,902
Property tax (est.)$1,119
Insurance (est.)$335
PMI$0
HOA dues$1,000
CDD assessment$0
Cash to close: ~$178,400 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.90% 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

TypeCondominium
Year built1987
Heated area1,530 sq ft
Lot size982 sq ft
SubdivisionPABLO SURFSIDE CONDOMINIUM
Parcel (RE#)179295-1002
Legal description03-3S-29E

Valuation · 2025

Value

Just / Market
$900,000
Assessed
$460,939
Taxable
$410,217
2025 Property Tax
$7,780
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
$1,000 / Monthly
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 1951 OCEAN DR 1B

14
incident reports recorded by the Jacksonville Sheriff's Office within 1 mile of Pablo Surfside, the 12 months ending July 31, 2026.

This is an area figure, not a figure about 1951 OCEAN DR 1B. 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 Pablo Surfside? 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 Pablo Surfside 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 1951 OCEAN DR 1B?
The zoned public schools for 1951 OCEAN DR 1B in Pablo Surfside 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 1951 OCEAN DR 1B?
The most recent annual property tax for 1951 OCEAN DR 1B is about $7,780 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 1951 OCEAN DR 1B?
Homes in Pablo Surfside have an HOA fee of about $1,000 per month (based on recent MLS listings).
How big is 1951 OCEAN DR 1B?
1951 OCEAN DR 1B is a 1,530 sq ft home built in 1987 in Pablo Surfside, Duval County, FL.
What would the monthly payment be on 1951 OCEAN DR 1B?
At about a 7.32% 30-year rate, the estimated monthly payment for 1951 OCEAN DR 1B is roughly $7,356 with a conventional loan (20% down), $8,865 with FHA (3.5% down), or $8,713 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Pablo Surfside HOA. Use the payment calculator on this page to adjust the numbers.
Is 1951 OCEAN DR 1B 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 Pablo Surfside, the community 1951 OCEAN DR 1B 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/pablo-surfside/1951-ocean-dr-1b.

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.