Single Family Residence in North Atlantic Beach · No CDD · Built 2026
North Atlantic Beach · Atlantic Beach, FL 32233 · Duval
Listing data updated August 24, 2026 · refreshed twice daily
6Bedrooms
5Bathrooms
5,264Sq Ft
2026Year Built
$874Per Sq Ft
Private pool2-car garageNew constructionNo CDDFEMA Zone X6 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
105% above
$/sq ft vs community
$874 here vs $427 median sold (12 mo)
Buyer leverage
Balanced market
400 days on market
2.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$10k–$21k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
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.
Price vs. size in Atlantic Beach
Each dot is a closed sale since 2001 (1629 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 $874/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 32 (cold).
Property timeline
This home’s history
2026BuiltPer public record
Jul 2, 2026First trackedObserved at $4,600,000
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.
Financing
Estimated monthly payment
$29,301/mo
Principal & interest $23,673/mo81%
Taxes $4,370/mo15%
Insurance $1,208/mo4%
HOA $50/mo0%
$29,301/mo at 20% down, 30-yr @ 6.67% · edit any field to update.
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
49/100 is below average 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 area0
This home $874/sq ft vs the community 12-month median $427/sq ft.
Affordability0
List price $4,600,000 vs the community median $750,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity65
Community median 51 days on market, ~2.4 months of supply (12-month record).
Renovation upside10
From a 2026 build and $874/sq ft vs the community median $427/sq ft. Not a condition assessment.
Pricing power71
Recent sales closed at about 93.9% of original asking (~6.1% below). More room below asking generally favors buyers.
Market timing68
Momentum Market Heat is 32/100 (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
🟡 Balanced conditions around this listing. 2.4 months of supply in the surrounding market and 400 days on market for this home, against a 51-day area median.Days on market:this home 400Area median: 51 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 August 23, 2026.
🟡 Asking $874 per square foot, about 105% above the community’s $427 median. Atlantic Beach’s 12-month median sold price per square foot is $427. Median sold price per square foot is down 15.7% year over year. Confidence: Very High · 71 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.
62% of homes in Atlantic Beach are owner-occupied. An estimated 38% are non-owner-occupied, including 16% held in a company or trust and 5% 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), 664 homes matched. Community-level context.
Recent Atlantic Beach sales closed near 93.9% 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 August 23, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 14 active listings in Atlantic Beach, no CDD assessment.
Updated August 24, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Schedule your showing today to own this stunning new construction on prestigious Beach Avenue in Atlantic Beach. This multi-generational home offers 6 bedrooms, including a Primary Floor In-Law Suite with an aging in place shower. The spacious Great Room and open Kitchen, featuring Sub-Zero, Wolf, and Cove appliances, are perfect for entertaining guests.
Ride the elevator to the Garage Level, featuring a Fitness Room, Pool/Beach Laundry Room, Wine Cellar and plenty of storage. Enjoy your private outdoor retreat with a full Outdoor Kitchen and custom pool with a large backyard. The Owner's Suite includes his & hers closets, a soaking tub, and oversized shower.
Multiple Rooms offers views of the Atlantic Ocean. The Garage Floor is Block Construction. Coastal luxury and thoughtful design await--contact the listing agent today!
Description provided by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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$4,600,000
Bed / bath6 / 5
Living area5,264 sq ft
Year built2026
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #2096320
Listing status400 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureModerate
CountyDuval
Area listings14 active · 11 under contract
Estimated first-year tax~$52,440/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$874
Estimated monthly payment$29,301
Insurance (illustrative)$10k–$21k/yr
Comparable-sales median$750,000
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.
$1,979,264the mess$2,516,192
Actual list price: $4,600,000 — 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 renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
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: 400 days on market vs. a 51-day community median
14 active listings competing, 11 under contract
≈2.4 months of supply
70 closed here in the last 12 months
For reference, this home is listed at $4,600,000 ($874/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: 5,264 sq ft × $376–$478/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 24, 2026.
Keep looking
Similar homes for sale near North 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.
Listed for $4,600,000Momentum Realty · on market 400 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.)
~$52,440/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)
$10k–$21k/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 insurance not federally mandated (Zone X). 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
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; 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.
Market data · public records
Recent sales activity in North 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 North Atlantic Beach neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$750,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$427
Canonical 12-month median $/sq ft. Reference only.
Go deeper on North 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.
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
Atlantic 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.
No closely comparable recent sales were found in this data set.
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$21,083 – $30,667/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$8,846 – −$221At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
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.
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.
realMLS, refreshed twice daily (last: August 24, 2026)
Community market stats
realMLS closed sales, as of August 23, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
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
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 2016 BEACH Avenue 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.
