Ocean Terrace Homes for Sale in Jacksonville Beach, FL

Established Jacksonville Beach resale market · Jacksonville Beach · ZIP 32250

An established resale neighborhood of midsize homes in Jacksonville Beach, set back from the sand near South Beach Park with easy access to JTB.

Established resaleJacksonville Beach, Duval County3 to 6 bedrooms

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

This is a settled resale neighborhood, not a new-construction release. Inventory is limited and individual, so condition, updates, and lot drive value more than a single headline number. Verify specifics by address.

Free · No obligation

Unlock Off-Market Ocean Terrace

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Live · Ocean Terrace Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 8,500+ transactions · Top 1% in Florida (RealTrends)

Price

$925K ▼

Median sold · 12 mo

down 3.1% vs the prior 12 months

-3.1% ▼

1-yr price change

n = 11 and 11 sales in the two windows

$332/sf

Sold $/sqft · 12 mo

peak $405 in 2025

91.8%

Sale vs ask

+236%

T12M median vs 2012

from a $275K median in 2012

Tempo

48days

Median DOM · closed

25 days at the 2015 low

Sold · last 12 mo

10-yr average: about 15 a year

Ownership and context

60%

Owner-occupied · Ocean Terrace

354 of 587 parcels homesteaded (FL DOR 2025)

40%

Non-owner-occupied · Ocean Terrace

incl. 16% trust or LLC-held · 6% out-of-state

20%

Cash buyers · Ocean Terrace

1 of 5 sales, 12 mo ending July 2025

580

Homes in the community

plus 7 vacant residential lots · 587 residential parcels (FL DOR 2025)

Track record · 25 years of records

Est. 1900

Community established

homes built 1900-2024, median 1996 (FL DOR 2025)

Failed listings · 2026

peaked at 39 in 2008

2,853sqft

Median sold home size

12-mo windows, closed sales

1.9%/yr

Turnover rate

about 11 of 580 homes trade a year

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily

Jon's Current Read

"Ocean Terrace is a resale play in Jacksonville Beach rather than a builder market. The neighborhood dates to the early 1980s, and the homes selling now are a mix of original-condition and updated midsize houses, so the individual home's condition and updates matter more than any single community-wide figure. The location thesis is straightforward beach-town convenience, close to South Beach Park and a short drive to JTB, so weigh insurance and flood-zone questions common to coastal Duval County against that convenience."

Jon Brooks, founder, Momentum Realty · Updated June 2026

Ocean Terrace Housing Pulse · Momentum Research · as of July 11, 2026

Ocean Terrace right now

🟡 Off the recent peak. The trailing-12-month median ($925K) is down 3.1% from the prior 12 months ($955K) and up 236% since 2012. With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending July 11. Confidence: Medium (11 and 11 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

Updated July 11, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Ocean Terrace is an established, mostly single-family resale neighborhood in Jacksonville Beach, in Duval County. The community traces to the early 1980s and has seen homes added over time, with the current stock generally described as midsize houses running roughly 2,250 to 3,100 square feet with 3 to 6 bedrooms; exact size and configuration vary by home and should be confirmed on the specific listing.

Because this is a resale neighborhood rather than a new-construction community, value here is driven by the individual home, its age, condition, and any updates, rather than a builder price sheet. An HOA is confirmed for the community; a current dues figure is not published here and should be confirmed directly with the association before you buy.

The bigger picture is location. Ocean Terrace sits in a residential part of Jacksonville Beach near South Beach Park, which offers a playground, fitness trail, and courts for basketball, tennis, and volleyball. The neighborhood is also within a short drive of JTB (SR 202), which connects to the St. Johns Town Center, the Southside business area, and Jacksonville International Airport, making it a convenient beach-town base for commuters.

Quick Match

Who Ocean Terrace is best for.

Best for

Buyers who want an established Jacksonville Beach neighborhood within easy reach of JTB
Buyers comfortable evaluating an older resale home's condition and update history
Buyers who value proximity to South Beach Park and the wider beaches community

Probably not for

Buyers who need new construction with a builder warranty and modern systems
Anyone who wants a gated, amenitized HOA community with a pool and clubhouse
Buyers unwilling to verify flood zone, insurance cost, and the age of roof and systems on an older home

Price History: What Homes Here Have Actually Sold For

Median sale price over the trailing 12 months ending July 11 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($925K) IS the median in the snapshot above, and the move from 2025 ($955K) IS the -3.1% one-year change.

Windows contain 7 to 23 sales each (11 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.

Median sale price · trailing 12 mo

Down 3.1% year over year; up 236% since 2012.

Every sale since 2001 · price vs size

276 closed sales; green = recent. Size sets the floor, condition and lot set the rest.

Sold $ per sq ft · trailing 12 mo

Up from $138 in 2012 to a $405 peak in 2025; $332 now.

Median days on market · closed sales

25 days at the 2015 low; 48 now.

Sale price vs original ask · median

91.8% now.

Homes sold per 12-mo window

7 to 23 a year; 11 in the current window.

Sellers who gave up · failed listings per year

Canceled, expired, or withdrawn. 39 quit in 2008; 5 so far in 2026. The clearest stress gauge a community has.

Market Heat · 0 coldest, 100 hottest in the record

84 at the 2022 peak, 23 in the troughs, 23 now. Same score as the hero card, full history.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Duval County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$1,614/mo

Duval County typical true cost to own

$110/mo

Duval County typical home insurance

Check CDD

Confirm before you offer

Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Duval County scorecard.

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

How much local inventory is already under contract

21% of homes for sale in ZIP 32250 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-10).

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Ocean Terrace buys, holds, and resells. See the five factors.

Interactive Map

Ocean Terrace on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Drive times from Ocean Terrace. They are approximate and vary with traffic and your exact start point.

JTB (SR 202)5 to 10 min · approximate

St. Johns Town Center15 to 20 min · approximate

Jacksonville International Airport (JAX)30 to 40 min · approximate

Downtown Jacksonville25 to 30 min · approximate

Atlantic Ocean / beach access5 to 10 min · approximate

Mayo Clinic (San Pablo)10 to 15 min · approximate

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Ocean Terrace Homes for Sale in Jacksonville Beach, FL with Momentum Realty’s local guides.

Constitution Cove Homes for Sale in Jacksonville Beach, FLJacksonville Beach, FL · 0.5 mi VSValencia at South Beach Homes for Sale in Jacksonville Beach, FLJacksonville Beach, FL · 0.6 mi AHAvalon Homes for Sale in Jacksonville Beach, FLJacksonville Beach, FL · 0.7 mi AHAvalon Homes for Sale in Ponte Vedra Beach, FLPonte Vedra Beach, FL · 0.8 mi

The Islands atPonte Vedra Lakes Homes for Sale in Ponte Vedra Beach, FLPonte Vedra Beach, FL · 0.8 mi

Cranes LakeI Condo in Ponte Vedra Beach, FLPonte Vedra Beach, FL · 0.9 mi NINorth Island Homes for Sale in Ponte Vedra Beach, FLPonte Vedra Beach, FL · 1.0 mi SCSwift Creek Homes for Sale in Ponte Vedra Beach, FLPonte Vedra Beach, FL · 1.0 mi CVCosta Verde Homes for Sale in Jacksonville Beach, FLJacksonville Beach, FL · 1.1 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Ocean Terrace (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Duval County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Ocean Terrace is served by Duval County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

High

Duncan U. Fletcher High School (Duval County Public Schools); verify by address

Middle

Duncan U. Fletcher Middle School (verify by address)

Elementary

Jacksonville Beach Elementary or Seabreeze Elementary (verify by address)

Buying with schools in mind? We can confirm the exact zoned schools for any Ocean Terrace address.

The takeaway

The story here is steady beach-town demand rather than a single headline event. Jacksonville Beach continues to draw buyers for its combination of coastal proximity and access to Jacksonville's job centers.

Recent Developments in Ocean Terrace

Development Intelligence

Our read on what is being built around Ocean Terrace, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishNet neutral to positive. Established beach-area neighborhoods like this one tend to see steady, limited-inventory demand rather than sharp swings, with coastal insurance cost the main variable to watch.

Beaches-area growth

2020 to 2026

BullishNotable impact

SignificanceRadius: Area

Jacksonville's beaches communities, including Jacksonville Beach, have continued to see steady population and visitor demand, supporting resale interest in established neighborhoods near the sand.

Coastal insurance costs

2026

BearishNotable impact

SignificanceRadius: Region

Homeowners insurance in coastal Duval County remains a real underwriting line item. Get a bindable quote for the specific home, including flood coverage if applicable, before you commit.

JTB corridor access

2026

NeutralMinor impact

SignificanceRadius: Corridor

The JTB (SR 202) corridor remains the main commuter link between the beaches and Jacksonville's Southside job centers, keeping the area convenient for buyers who work off the beach.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Ocean Terrace, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The Ocean Terrace buying strategy.

If we were buying in Ocean Terrace, this is the order of operations we would run, and the one we run for our clients.

Pull the specific home's age, roof, and systems history before you underwrite any repair budget.

Confirm the current HOA dues amount and what they cover directly with the association.

Get a bindable homeowners and, if applicable, flood insurance quote for the exact address.

Verify the zoned elementary, middle, and high school by address with Duval County Public Schools.

Compare a few recent nearby resales before you set an offer price, since inventory here is limited and individual.

The Quick Decision

Best Buy

An updated midsize home on a quiet interior street close to South Beach Park.

Biggest Risk

Deferred maintenance or an unverified flood zone on an older coastal-area home.

Best Lot

Interior lots away from busier collector streets tend to hold appeal best.

Smart Timing

Resale market; inventory is limited, so a well-priced updated home can move quickly.

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

The Homes

Type

Established single-family resale

Era

Development dating to the early 1980s, with later additions

Size range

Midsize homes, roughly 2,250 to 3,100 sq ft (verify by listing)

Bedrooms

3 to 6

Costs & Fees

HOA

Yes, an HOA is confirmed for the community; current dues not published here, confirm with the association

CDD

None identified; confirm on the parcel tax record

Property use

Primary residences

Amenities

Nearby public

South Beach Park (playground, fitness trail, basketball, tennis, volleyball)

Status

City park, not an HOA amenity; verify hours and access

Location

Area

Jacksonville Beach, Duval County

JTB (SR 202)

About 5 to 10 min (approximate)

St. Johns Town Center

About 15 to 20 min (approximate)

Ocean Terrace Homes For Sale

What your money buys in Ocean Terrace.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Ocean Terrace today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Entry

At the entry tier you are generally looking at smaller or original-condition homes in the neighborhood, where the value is in the bones and any renovation upside. Budget for roof, systems, and cosmetic updates.

Lowest entry

The Core

In the core of the market you find updated midsize single-family homes with refreshed kitchens and baths on typical neighborhood lots. This is the typical move-in resale here.

Most inventory

The Top

At the top are the larger, more fully updated homes in the neighborhood's size range, up to roughly 3,100 square feet with more bedrooms. Confirm exact square footage and condition on the specific listing.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$900K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

The Entry

The Core

In the core of the market you find updated midsize single-family homes with refreshed kitchens and baths on typical neighborhood lots. This is the typical move-in resale here.

The Top

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Ocean Terrace, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Ocean Terrace is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Ocean Terrace holds value.

Our read on the factors that protect resale here, and the one to manage.

Home conditionVaries by home

Update levelVaries by home

Near-term maintenanceVerify roof and systems

Lot and streetFavor quieter interior streets

Flood and insurance exposureVerify by address

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Ocean Terrace

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

In an established beach neighborhood like this, the value is not the community, it is the specific home: its age, its updates, and its lot.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.0B · Buy Score

Resale Strength6.8/10

Renovation Risk6.2/10

Location Efficiency7.6/10

Long-Term Defensibility6.6/10

Carrying Cost Advantage6.4/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Ocean Terrace is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No automated estimate, no guesswork.

Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.

15-Second Take

This is a resale neighborhood, so lot and home condition vary house to house.
Interior streets away from busier collector roads tend to hold appeal best.
Ask whether the specific home has had roof and system updates before you offer.
Coastal-area flood zone status should be verified on the specific parcel.
Older homes may carry renovation upside; weigh that against near-term repair budget.

In an established resale neighborhood like Ocean Terrace, the building stock is not uniform, so the durable difference between two homes is condition, updates, and the specific lot. Homes on quieter interior streets away from busier roads tend to hold resale appeal better than those on higher-traffic frontage. Because the community dates to the early 1980s, ask about roof age, system updates, and flood zone status on any specific home before you commit, and treat needed repairs as part of your purchase math, not an afterthought.

The 15-Second Verdict

Ocean Terrace in 15 seconds.

Best forBuyers who want an established Jacksonville Beach home close to JTB and South Beach Park.

Biggest advantageBeach-town convenience with a short commute to Jacksonville's Southside job centers.

Biggest riskDeferred maintenance or unverified flood and insurance exposure on an older home.

Sweet spotAn updated midsize home on a quiet interior street.

Avoid ifYou need new construction with a builder warranty or a gated amenitized HOA.

HOA, CDD & Fees

15-Second Take

HOA yes; get the current dues amount and coverage in writing.
No CDD was identified, but confirm it on the parcel's tax record.
South Beach Park nearby offers a playground, fitness trail, and sport courts, but it is a city amenity, not an HOA one.
Coastal-area homeowners and flood insurance is a real cost; get a bindable quote for the specific home.
Verify roof and systems age on any home you consider, given the neighborhood's age.

Ocean Terrace has a confirmed homeowners association. A current dues figure is not published here; confirm the exact amount and what it covers directly with the association before you buy.

Confirm in writing what the HOA dues fund, typically common-area upkeep in a neighborhood like this. There is no marketed private clubhouse or pool tied to the HOA; nearby recreation is the city's South Beach Park.

There is no golf course or private country club in the community.

Run Your Numbers

Tools for a Ocean Terrace buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxDuval County millage and the homestead picture.Rent vs buyThe breakeven on owning in Ocean Terrace.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not an automated estimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Ocean Terrace

Thinking of selling an Ocean Terrace home?

Selling an established resale home takes a real strategy built on condition and true nearby comps, not an automated estimate. We will show you the honest math for this neighborhood.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Ocean Terrace, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Pablo Beach South, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Ocean Terrace home worth?

Get a no-obligation home value based on real comparable sales in Ocean Terrace matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in Ocean Terrace on the map →

Real comps, not an automated estimate.

Median sale prices in Ocean Terrace year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Duval County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$1,614/mo

Duval County typical true cost to own

$110/mo

Duval County typical home insurance

Check CDD

Confirm before you offer

Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Duval County scorecard.

Frequently Asked Questions

Is Ocean Terrace a new-construction or resale community?

It is an established resale neighborhood in Jacksonville Beach, with development dating to the early 1980s and later additions. It is not a new-construction release.

What size are the homes?

Homes here are generally described as midsize, roughly 2,250 to 3,100 square feet with 3 to 6 bedrooms, though exact size varies by home; verify square footage on the specific listing.

Is there an HOA, and how much are the dues?

Yes, an HOA is confirmed for the community. A current dues amount is not published here; confirm the exact figure and what it covers directly with the association before you buy.

Is there a CDD bond on the taxes?

No Community Development District was identified for this community, but CDD status is best confirmed on the specific parcel's tax record with the Duval County Property Appraiser.

What amenities are nearby?

South Beach Park is nearby with a playground, fitness trail, and courts for basketball, tennis, and volleyball. It is a City of Jacksonville Beach park, not an HOA amenity.

Is Ocean Terrace gated or age-restricted?

There is no verified information that the community is gated, and it is not marketed as age-restricted or 55 plus.

What schools serve the community?

It is in Duval County Public Schools, generally zoned toward Duncan U. Fletcher schools. The exact zoned elementary, middle, and high school should be verified by the specific address.

How is the commute to JTB and Jacksonville job centers?

JTB (SR 202) is roughly a 5 to 10 minute approximate drive, connecting to the St. Johns Town Center and Southside business area in roughly 15 to 20 minutes. Other drive times on this page are approximate estimates.

How far is the beach?

Ocean Terrace is set back from the sand in a residential part of Jacksonville Beach; direct beach access is roughly a 5 to 10 minute approximate drive depending on the specific street.

What is the biggest risk of buying here?

Deferred maintenance and unverified flood or insurance exposure common to an older coastal-area neighborhood. Verify roof, systems, and flood zone on the specific home.

How should I evaluate a specific home here?

Because this is a resale neighborhood, focus on the individual home's age, condition, and updates rather than a community-wide number, and compare it against a few recent nearby resales.

Should I get my own agent for a resale purchase here?

Yes. Your own agent reviews condition, comps, and the contract, and represents your interests rather than the seller's.

Is this page using real market data?

This page currently carries no community-specific market data feed. Verify current listings, pricing, and availability with a local agent before you act.

Who is the best real estate agent for Ocean Terrace?

The best agent for Ocean Terrace is one who actively works Jacksonville Beach and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Ocean Terrace.

How do I find a top Jacksonville Beach real estate agent who knows Ocean Terrace?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Ocean Terrace and the wider Jacksonville Beach area.

Can Momentum Realty connect me with an agent for Ocean Terrace?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Ocean Terrace purchase or sale - no call center and no pressure.

The Verdict

Should you buy in Ocean Terrace?

An honest fit check. We will tell you when it is not your community.

You want an established Jacksonville Beach neighborhood close to JTB and South Beach Park.Excellent fit

You are comfortable evaluating an older home's condition and update history.Excellent fit

You value a short commute to Jacksonville's Southside job centers and the airport.Excellent fit

You want a resale with room to update to your own taste.Excellent fit

You need new construction with a builder warranty and modern systems.Probably not

You want a gated, amenitized HOA community with a pool and clubhouse.Probably not

You are unwilling to verify flood zone, insurance cost, and system age before buying.Probably not

You need a large pool of similarly priced, similarly updated comps to compare against.Probably not

Get the inside read on Ocean Terrace

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Ocean Terrace home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty Ocean Terrace specialist will reach out personally, usually the same day.

Median sale price in Ocean Terrace, Florida by year (2012 to 2026). Source: Momentum Realty.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.

Community market stats	realMLS closed sales, 12-month windows ending July 11, 2026
Housing stock & ownership	Florida DOR 2025 assessment roll (street-list match (11 streets, ZIP 32250))
Under-contract shares	realMLS records, as of 2026-07-10
Schools	2025-26 district assignments + FLDOE school grades; verify with the district
Historical depth	Closed-sale records back to 2001 (276 transactions analyzed)

Ocean Terrace Homes for Sale in Jacksonville Beach, FL

Ocean Terrace right now

The 60-Second Overview

Who Ocean Terrace is best for.

Best for

Probably not for

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Ocean Terrace on the map.

How far is everything?

Nearby Communities

Schools

Duncan U. Fletcher High School (Duval County Public Schools); verify by address

Duncan U. Fletcher Middle School (verify by address)

Jacksonville Beach Elementary or Seabreeze Elementary (verify by address)

Recent Developments in Ocean Terrace

Beaches-area growth

Coastal insurance costs

JTB corridor access

The Ocean Terrace buying strategy.

The full read, only if you want it.

The Homes

Costs & Fees

Amenities

Location

What your money buys in Ocean Terrace.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Ocean Terrace holds value.

5 Mistakes Buyers Make in Ocean Terrace

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Ocean Terrace is different.

Which Lots & Views Hold Value Best

Ocean Terrace in 15 seconds.

HOA, CDD & Fees

Tools for a Ocean Terrace buy.

Thinking of selling an Ocean Terrace home?

In Ocean Terrace, condition and view decide your number

What is your Ocean Terrace home worth?

The real cost & risk here

Frequently Asked Questions

Should you buy in Ocean Terrace?

Get the inside read on Ocean Terrace

You are all set.

Data sources & freshness

You just read the data. Now see what your home is worth.