Single Family Residence in Atlantic Beach · No CDD
Atlantic Beach · Atlantic Beach, FL 32233 · Duval
Listing data updated September 20, 2026 · refreshed twice daily
3Bedrooms
2.5Bathrooms
2,245Sq Ft
1978Year Built
$1492Per Sq Ft
Private poolNo 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.
296% above
$/sq ft vs community
$1492 here vs $377 median sold (12 mo)
Buyer leverage
Seller-leaning
155 days on market
1.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~7 ft elevation
$16k–$32k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 6 of 9
Price vs recent sales
Asking $3.35M tops 6 of the last 9 closed sales; also one of the largest homes here at 2,245 sq ft
As of September 20, 2026, 2428 SEMINOLE Road in Atlantic Beach is listed at $3,350,000 (2,245 sq ft, about $1,492 per sq ft). That is 468% above Atlantic Beach's median closed sale of $590,000 over the last 12 months (74 recorded sales). Per square foot it is above the community's recent $377/sq ft by about 296%. It has been 155 days on market, longer than the community's typical 47 days to contract. Listing facts: built in 1978, a private pool, no HOA. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1978 · 48 yrs
2,245 sq ft of living area
Listed at $3,350,000 — recent neighborhood median sale price ~$590,000 (nearby sales; deemed reliable, not an appraisal)
155 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 $1492/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 31 (cold).
Property timeline
This home’s history
1978BuiltPer public record
Jul 2, 2026First trackedObserved at $3,350,000
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
$22,790/mo
Principal & interest $17,740/mo78%
Taxes $3,182/mo14%
Insurance $1,817/mo8%
HOA $50/mo0%
$22,790/mo at 20% down, 30-yr @ 6.95% · 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 $12,275/yr ($1,023/mo)
+$46,675 more each year
(+380%)
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
$2,843,055
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.
Momentum Scores
Momentum Property Score
41/100
Strongest on: Market liquidity (70), Market timing (69)
0 limited50100 exceptional
41/100 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 $1492/sq ft vs the community 12-month median $377/sq ft.
Affordability0
List price $3,350,000 vs the community median $590,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~7 ft elevation. Verify the parcel with FEMA.
Insurance cost18
From FEMA Zone AE and a 1978 build. Obtain a property-specific quote.
Market liquidity70
Community median 47 days on market, ~1.9 months of supply (12-month record).
Renovation upside56
From a 1978 build and $1492/sq ft vs the community median $377/sq ft. Not a condition assessment.
Pricing power68
Recent sales closed at about 94.3% of original asking (~5.7% below). More room below asking generally favors buyers.
Market timing69
Momentum Market Heat is 31/100 (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. 1.9 months of supply in the surrounding market and 155 days on market for this home, against a 47-day area median.Days on market:this home 155Area 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 20, 2026.
🟡 Asking $1492 per square foot, about 296% above the community’s $377 median. Atlantic Beach’s 12-month median sold price per square foot is $377. Median sold price per square foot is down 41.3% year over year. Confidence: Very High · 74 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 94.3% 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 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 12 active listings in Atlantic Beach, no CDD assessment.
Updated September 20, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
ACCEPTING BACK-UP OFFERS!!! Rare opportunity in Atlantic Beach offering 2 acres in a highly desirable location with the ability to subdivide into a minimum of two 1-acre homesites (city letter on file) and perhaps more lots. This property is all about flexibility and value--build a private coastal estate, develop two homesites, or renovate the existing 3-bedroom, 2.5-bath pool home.
Just minutes to the ocean, local shops, and dining, and surrounded by established homes, this is a unique chance to secure a large parcel in one of Northeast Florida's most sought-after beach communities. Property is being sold as-is and priced below appraised value. Caution: Driveway and decking may present a tripping hazard.
Please use care when accessing the property and watch your footing.
All 38 photos
Description provided by RE/MAX UNLIMITED 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$3,350,000
Bed / bath3 / 2.5
Living area2,245 sq ft
Year built1978
Property typeSingle Family Residence
PoolYes
MLS #2140483
Listing status155 days on market
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~7 ft
Windstorm exposureModerate
CountyDuval
Area listings12 active · 4 under contract
Estimated first-year tax~$38,190/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$1492
Estimated monthly payment$22,790
Insurance (illustrative)$16k–$32k/yr
Comparable-sales median$590,000
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.
$745,340the mess$947,390
Actual list price: $3,350,000 — 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 1978 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.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
This home: 155 days on market vs. a 47-day community median
12 active listings competing, 4 under contract
≈1.9 months of supply
74 closed here in the last 12 months
For reference, this home is listed at $3,350,000 ($1,492/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: 2,245 sq ft × $332–$422/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 20, 2026.
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.
Listed for $3,350,000Momentum Realty · on market 155 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.)
~$38,190/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)
$16k–$32k/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 AE — confirm flood 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
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~7 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.
Seen enough photos?
Want to see 2428 SEMINOLE Road?
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 RE/MAX UNLIMITED · MLS # 2140483
Request a showing
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
1
Recent nearby closings in the data set.
Community median sale price
$590,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$377
Canonical 12-month median $/sq ft. Reference only.
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.
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 Beach Elementary SchoolPublic PreK-5 · Duval County School District · Grade A (Florida DOE 2025-26)
Mayport Coastal Sciences Middle SchoolPublic 6-8 · Duval County School District
GRADEA
Duncan U. Fletcher High SchoolPublic 9-12 · Duval County School District · Grade A (Florida DOE 2025-26)
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 Sep 2026
$1,380,000
57 SHERRY Drive, Atlantic Beach
3 / 2.5 bd/ba · 2,155 sq ft · $640/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS · View details →
Community 12-month median: $377/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.
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$15,354 – $22,333/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$7,863 – −$1,582At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 2428 SEMINOLE Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1978 (48 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.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
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.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 2,245 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 $38,190/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
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 2428 SEMINOLE Road and when was it built?
Per the listing record, 2428 SEMINOLE Road was built in 1978 and has 2,245 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2428 SEMINOLE Road in?
2428 SEMINOLE Road is in Atlantic Beach, Duval County. The community section on this page shows recent closed sales, days on market, and active inventory for Atlantic Beach from the same MLS data.
Does 2428 SEMINOLE Road 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 2428 SEMINOLE Road differ from the current owner's?
The estimate on this page (about $38,190 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 2428 SEMINOLE Road in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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 2428 SEMINOLE Road 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.
