Single Family Residence in Atlantic Beach · No CDD · FEMA Zone X
Atlantic Beach · Atlantic Beach, FL 32233 · Duval
Listing data updated July 3, 2026 · refreshed twice daily
2Bedrooms
1Bathrooms
1,050Sq Ft
1989Year Built
$262Per Sq Ft
1-car garageNo CDDFEMA Zone X
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 1989 · 37 yrs
1,050 sq ft of living area
1-car garage
$262/sq ft — compared with the displayed median of $272 from recent nearby sales
Listed at $275,000 — recent neighborhood median sale price ~$350,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA ~$50/mo (estimate; confirm)
This listing is shown at $275,000, with 2 bedrooms and 1 bathrooms, and 1,050 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms2
Bathrooms1
Living area1,050 sq ft
Year built1989
Property typeSingle Family Residence
Financial
Est. monthly payment$1,889
Est. taxes / yr~$3,135
Est. insurance / yr~$1,721
HOA$50/mo
CDDNone on record
Price / sq ft$262
Risk
Flood zoneZone X
Ground elevation~20 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$1,721/yr
Market
Neighborhood median DOM71
Active listings (area)13
Months of supply2.3
Comparable-sales median$350,000
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$1,721/yr
Estimated homeowners premium; get a real quote.
Months of supply
2.3 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
46/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$1,889/mo
Principal & interest $1,434/mo76%
Taxes $261/mo14%
Insurance $143/mo8%
HOA $50/mo3%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
68/100
Strongest on: Flood safety (95), Affordability (86)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
Price vs area59
This home $262/sq ft vs area median $272/sq ft from recent nearby sales.
Affordability86
List price $275,000 vs area median $350,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost61
From FEMA Zone X and a 1989 build. Obtain a property-specific quote.
Market liquidity58
Area median 71 days on market, ~2.3 months of supply.
Investment metrics55
Objective supply and demand metrics for the area - not investment advice.
Renovation upside62
From a 1989 build and $262/sq ft vs area $272/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Listing facts & disclosures
$275,000
List price
As listed in the MLS
2 / 1
Bed / bath
Per the listing
1,050
Living area
Sq ft (approx.)
$262
Price / sq ft
List ÷ living area
The home
Year built1989
Per public record.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$3,135/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $250,950 – $320,250
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$250,950the mess$320,250
Actual list price: $275,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
13 active listings competing in Atlantic Beach
8 under contract now
38% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈2.3 months of supply (one market-context metric; should not be used alone)
1 new-construction home competing
Median sale price is up 77% over the last 144 months
Homes here sell at about 97.2% of list price
67 closed here in the last 12 months
For reference, this home is listed at $275,000 ($262/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,050 sq ft × $239–$305/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 3, 2026.
Market analysis
Atlantic Beach market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
13Active listings
8Under contract
1New this month
2.3Months of supply
71Median days on market
38%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Property timeline
This home’s history
1989BuiltPer public record
Jul 2, 2026First trackedObserved at $275,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,260 – $1,833/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.1%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$665 – −$150At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$275,000
Bed / bath2 / 1
Living area1,050 sq ft
Year built1989
Property typeSingle Family Residence
MLS #2153583
Listing statusActive
Days on marketNot available on this page
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
CountyDuval
Estimated first-year tax~$3,135/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$262
Estimated monthly payment$1,889
Estimated insurance~$1,721/yr
Messtimate rangeNot available on this page
Comparable-sales median$350,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$1,889
Principal & interest$1,434
Property tax$261
Insurance$143
CDD assessment$0
HOA$50
PMI$0
Down payment $55,000 · Loan $220,000. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$3,135/yr
The seller likely pays less due to the homestead cap. At a $275,000 purchase, expect your first full-year Duval bill near $3,135 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$1,721/yr
Estimate for a 1989 build in Duval. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~20 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Atlantic Beach
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Atlantic Beach neighborhood guide for more.
Comparable sales found
3
Recent nearby closings in the data set.
Median sale price (set)
$350,000
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$272
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$262
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Atlantic Beach
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Harmony Mushroom Co. 2 min
Dining
Salumeria 104 2 min
Shopping
Shoppes of Northshore 3 min
Parks
Bull Memorial Park 1 min
In the area
Recent Atlantic Beach news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Infrastructure
Mayport Road multi-modal reconstruction begins
The City of Atlantic Beach and FDOT started construction on the 9.6 million dollar Mayport Road, State Road A1A, multi-modal project on June 22. The current six lane section is being reconfigured to four lanes, with the reclaimed width going to sidewalks, a bicycle facility, drainage, lighting and signal upgrades. Most work is scheduled overnight Sunday through Thursday with no peak hour lane closures.
Why it matters: The corridor change could shift how the north end of Atlantic Beach handles pedestrian and bicycle access over the multi month build, though final effects depend on the construction timeline holding.
Beaches Habitat launches Coastal Haven townhome project off Mayport Road
Beaches Habitat for Humanity is moving forward with Coastal Haven, a roughly $10 million, 4-acre development off Mayport Road in Atlantic Beach. The plan calls for 44 three-bedroom, two-bath townhomes built in phases of about eight homes per year.
Why it matters: A new attainable-housing project adds for-sale inventory in a tight beaches submarket, which could interest first-time buyers, with build-out phased over several years.
Ahern Street stormwater and multi-use path construction begins June 1
The city announced that construction would begin June 1 on Ahern Street between East Coast Drive and Ocean Boulevard, pairing stormwater system upgrades with a new multi-use path for pedestrians and cyclists. The work is expected to take several months, with intermittent road closures and reduced parking in the immediate area.
Why it matters: Drainage upgrades combined with pedestrian and bike improvements near the Beaches Town Center could enhance both resilience and walkability, factors that historically matter to buyers in the core beach blocks.
Spliff's Gastropub permitted for Mayport Road's Reef Retail Plaza
Atlantic Beach issued a permit April 1 for Spliff's Gastropub to build out roughly 4,100 square feet in the Reef Retail Shopping Plaza at 2755 Mayport Road, a $467,606 renovation. The Jacksonville restaurant, with existing locations Downtown and in Bayard, plans about 134 interior seats plus a 48-seat patio at the entrance to The Reef Oceanside Apartments.
Why it matters: A multi-location operator committing to the Mayport corridor may be an early indicator of retail momentum along a stretch slated for state road improvements.
Schools currently assigned to this address in Duval County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Atlantic Beach Elementary SchoolPublic PreK-5 · Duval County School District
Mayport Coastal Sciences Middle SchoolPublic 6-8 · Duval County School District
Duncan U. Fletcher High SchoolPublic 9-12 · Duval County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jun 2026
$1,095,000
255 SHERRY Drive, Atlantic Beach
2 / 1 bd/ba · 1,131 sq ft · $968/sq ft
Courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · View details →
Sold Jun 2026
$350,000
1109 HIBISCUS Street, Atlantic Beach
2 / 2 bd/ba · 1,287 sq ft · $272/sq ft
Courtesy of HOVER GIRL PROPERTIES · View details →
Sold May 2026
$278,000
379 DUTTON ISLAND RD Road, Jacksonville
3 / 2 bd/ba · 1,320 sq ft · $211/sq ft
Courtesy of NON MLS (realMLS) · View details →
Median of the set: $272/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Keep looking
Similar homes for sale near Atlantic Beach
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Listing description
About this home
Hot flip opportunity in the Atlantic Beach area! This 2/1 home offers 1,050 sq ft of living space and 1,320 gross sq ft, featuring a garage, a massive sunroom, a functional layout, and excellent value-add potential. With a 2024 roof, an air handler replaced in 2020 with permit, a brand new water heater installed in 2026, and a new garage door replaced in 2024, many of the major updates are already complete. The layout offers the opportunity to convert the home into a 3/2 to boost value, making it primed for a profitable renovation. Conveniently located near the beach, shopping, dining, and major roadways, this is a great opportunity for investors looking to maximize returns. Perfect for investors or anyone looking to renovate and create their own vision!
Description provided by ONE REALTY CORP and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms2
Bathrooms1
Living area1,050 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built1989
Age37 yrs
Listing
MLS #2153583
StatusActive
Days on market0
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Atlantic Beach
Groceries, dining, and parks for this city — see the city guide.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $275,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 1455 BEGONIA Street in person
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Momentum Realty · licensed in FL & GA
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
