Single Family Residence in Atlantic Beach West · No CDD
Atlantic Beach West · Atlantic Beach, FL 32233 · Duval
Listing data updated September 30, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
1,025Sq Ft
1996Year Built
$317Per Sq Ft
No CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
16% below
$/sq ft vs community
$317 here vs $379 median sold (12 mo)
Buyer leverage
Strong seller market
22 days on market
1.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 1
Price vs recent sales
Asking $325k is at or below all 1 recent closed sales
As of September 30, 2026, 199 MAIN Street in Atlantic Beach West, Atlantic Beach is listed at $325,000 (1,025 sq ft, about $317 per sq ft). That is 47% below Atlantic Beach West's median closed sale of $610,000 over the last 12 months (73 recorded sales). Per square foot it is below the community's recent $379/sq ft by about 16%. It has been 22 days on market, well inside the community's typical 47 days. Listing facts: built in 1996, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1996 · 30 yrs
1,025 sq ft of living area
Listed at $325,000 — recent neighborhood median sale price ~$610,000 (nearby sales; deemed reliable, not an appraisal)
22 days on market
HOA ~$50/mo (estimate; confirm)
School district: It is a place where neighbors know each other and people gather in the streets to walk to the beach or the town center. Schools Atlantic Beach is part of the Duval County Public SchoolsCommunity built 1916–2026Bull Memorial Park · 1 min driveHarmony Mushroom Co. · 2 min driveSalumeria 104 · 2 min drive
Momentum Research · Atlantic Beach
Pricing & the Atlantic Beach market
How this home is priced against recent nearby sales, and where Atlantic Beach has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Atlantic Beach
Each dot is a closed sale since 2001 (1638 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $317/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 35 (cold).
Property timeline
This home’s history
1996BuiltPer public record
Sep 8, 2026First trackedObserved at $325,000 · 22 days on market
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.
Financing
Estimated monthly payment
$2,247/mo
Principal & interest $1,735/mo77%
Taxes $309/mo14%
Insurance $154/mo7%
HOA $50/mo2%
$2,247/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimated from today’s asking price and current Duval County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $700/yr ($58/mo)
+$4,225 more each year
(+604%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$241,203
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Duval County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively High
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveRelatively High
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Momentum Scores
Momentum Property Score
74/100
Strongest on: Affordability (100), Price vs area (91)
0 limited50100 exceptional
74/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area91
This home $317/sq ft vs the community 12-month median $379/sq ft.
Affordability100
List price $325,000 vs the community median $610,000. Not a measure of personal affordability.
Market liquidity70
Community median 47 days on market, ~1.8 months of supply (12-month record).
Renovation upside54
From a 1996 build and $317/sq ft vs the community median $379/sq ft. Not a condition assessment.
Pricing power67
Recent sales closed at about 94.6% of original asking (~5.4% below). More room below asking generally favors buyers.
Market timing65
Momentum Market Heat is 35/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
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.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 1.8 months of supply in the surrounding market and 22 days on market for this home, against a 47-day area median.Days on market:this home 22Area median: 47 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of September 29, 2026.
🟡 Asking $317 per square foot, about 16% below the community’s $379 median. Atlantic Beach’s 12-month median sold price per square foot is $379. Median sold price per square foot is down 38.5% year over year. Confidence: Very High · 73 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
61% of homes in Atlantic Beach are owner-occupied. An estimated 39% are non-owner-occupied, including 15% held in a company or trust and 6% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 1054 homes matched. Community-level context.
Recent Atlantic Beach sales closed near 94.6% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 29, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 11 active listings in Atlantic Beach, no CDD assessment.
Updated September 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
OPEN HOUSE THIS SATURDAY, SEPTEMBER 19, FROM 11 AM-2 PM! Priced to sell, motivated seller! Enjoy the relaxed Atlantic Beach lifestyle just minutes from the sand!
This well-loved home has been cared for by the same owner for 30 years and is conveniently located near Beaches Town Center, Dutton Island Preserve, Tide Views Preserve, parks, trails, and sought-after schools. Golf cart or bike to the ocean, and enjoy a school bus stop on the same street, per seller. Updates include a 2017 roof, 2014 HVAC, 2025 water heater, LVP flooring, a new walk-in shower in the guest bath, and fresh exterior paint completed in August 2026.
The third bedroom is currently used as a packing room, and a small outdoor shed provides extra storage. Situated on a corner lot with NO HOA, this home offers plenty of potential to add your own style and enjoy laid-back Florida living!
All 20 photos
Description provided by KELLER WILLIAMS FIRST COAST REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$325,000
Bed / bath3 / 2
Living area1,025 sq ft
Year built1996
Property typeSingle Family Residence
MLS #2163438
Listing status22 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureModerate
CountyDuval
Area listings11 active · 5 under contract
Estimated first-year tax~$3,705/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$317
Estimated monthly payment$2,247
Insurance (illustrative)$2k–$2k/yr
Comparable-sales median$610,000
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
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.
$342,350the mess$434,600
Actual list price: $325,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1996 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 22 days on market vs. a 47-day community median
10 active listings competing, 6 under contract
≈1.8 months of supply
72 closed here in the last 12 months
For reference, this home is listed at $325,000 ($317/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: 1,025 sq ft × $334–$424/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 30, 2026.
Keep looking
Similar homes for sale near Atlantic Beach West
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.
195 15th Street, Atlantic Beach · $3,595,000 · 3 bd / 3.5 ba · listed September 26, 2026 (courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS)
1329 Estrela Lane, Atlantic Beach · $2,995,000 · 4 bd / 4.0 ba · listed September 15, 2026 (courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST)
45 Donner Road #C, Atlantic Beach · $599,000 · 3 bd / 2.5 ba · listed September 11, 2026 (courtesy of KST GROUP LLC)
1905 Sevilla Boulevard, Atlantic Beach · $1,245,000 · 3 bd / 2.5 ba · listed September 11, 2026 (courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS)
1515 Selva Marina Drive, Atlantic Beach · $2,100,000 · 5 bd / 3.0 ba · listed September 7, 2026 (courtesy of COMPASS FLORIDA LLC)
1960 Beach Avenue, Atlantic Beach · $3,500,000 · 4 bd / 3.0 ba · listed September 4, 2026 (courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST)
Listed for $325,000Momentum Realty · on market 22 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,705/yr
A rough first-year estimate only, applying a typical Duval rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 199 MAIN Street?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by KELLER WILLIAMS FIRST COAST REALTY · MLS # 2163438
Request a showing
Market data · public records
Recent sales activity in Atlantic Beach West
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 West neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$610,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$379
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Atlantic Beach West
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.
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.
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
Assigned schools
Assigned schools
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.
GRADEA
Neptune BeachAssigned elementary school · Duval County School District · Grade A (Florida DOE 2025-26)
GRADEA
MayportAssigned middle school · Duval County School District · Grade A (Florida DOE 2025-26)
Duncan FletcherAssigned high school · Duval County School District
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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.
Community 12-month median: $379/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.
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$1,490 – $2,167/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.2%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$798 – −$189At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 199 MAIN Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1996 (30 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Duval County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,025 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,705/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed hourly (last: September 30, 2026)
Community market stats
realMLS closed sales, as of September 29, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 199 MAIN Street and when was it built?
Per the listing record, 199 MAIN Street was built in 1996 and has 1,025 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 199 MAIN Street in?
199 MAIN Street is in Atlantic Beach West in Atlantic Beach, Duval County. The community section on this page shows recent closed sales, days on market, and active inventory for Atlantic Beach West from the same MLS data.
Does 199 MAIN Street have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 199 MAIN Street differ from the current owner's?
The estimate on this page (about $3,705 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 199 MAIN Street in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 199 MAIN Street in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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.
