21 days on market (MLS)Townhouse▼ Price cut: $19,000 (10/2)
$580,000
3-Bedroom Townhome in Atlantic Beach
45 Donner Road #C, Atlantic Beach, FL 32233
Townhouse in Atlantic Beach · No CDD on record · Built 2023
Atlantic Beach · Atlantic Beach, FL 32233 · Duval County
Listing data updated October 2, 2026 · refreshed hourly
3Bedrooms
2.5Bathrooms
1,768Sq Ft
2023Year Built
$328Per Sq Ft
1-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
13% below
$/sq ft vs community
$328 here vs $379 median sold (12 mo)
Buyer leverage
Strong seller market
21 days on market
1.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 2, 2026, 45 DONNER Road #C in Atlantic Beach is listed at $580,000 (1,768 sq ft, about $328 per sq ft). That sits within a few percent of Atlantic Beach'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 13%. It has been 21 days on market, well inside the community's typical 47 days. Listing facts: built in 2023, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2023 · 3 yrs
1,768 sq ft of living area
1-car garage
21 days on market
No HOA reported by the listing (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
Listing description
About this home
NEW GREAT PRICE! This stunning 2023 townhome offers modern finishes, thoughtful upgrades, and an oversized 1-car garage (320 sq. ft.) just minutes from the beach!
With 3-bedrooms + 2.5 bathrooms, this property is a great opportunity for a primary residence OR an investment opportunity as there's no HOA! Inside, you'll find several updates including: a new entertainment system, custom closets in the bedrooms and laundry room, Board & Batten detailing, new lighting/chandeliers, and more. The kitchen features abundant cabinetry, quartz countertops, and a custom backsplash, which flows seamlessly into the open-concept living area.
The primary bedroom offers plenty of natural light, a large bathroom, & and walk-in closet with custom shelving. Outside, enjoy a fully-fenced backyard with plenty of space to relax or entertain. This home is just a bike or golf cart ride to the beach, Atlantic Beach Town Center, shopping, dining, and entertainment!
All 25 photos
Description provided by KST GROUP LLC and reproduced from the MLS; not independently verified.
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$580,000
Bed / bath3 / 2.5
Living area1,768 sq ft
Year built2023
Property typeTownhouse
Garage1-car
MLS #2164388
Listing status21 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~12 ft
CountyDuval
Area listings10 active · 5 under contract
Estimated first-year tax~$9,475/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$328
Estimated monthly payment$4,129
Insurance (illustrative)$2k–$3k/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
Financing
Estimated monthly payment
$4,129/mo
Principal & interest $3,175/mo77%
Taxes $790/mo19%
Insurance $164/mo4%
$4,129/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Duval County rate (17.86 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $7,550/yr ($629/mo) — taxable value $421,997 × 17.86 mills
$1,925 more each year
(+25%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
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.
$472,719
Market value
$472,719
Assessed
$421,997
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Duval County Property Appraiser 2025 final millage chart; Duval County School Board FY2025-26 adopted millage. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
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.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$3k/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
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
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
~12 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Duval County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
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.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
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 (1639 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 $328/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
2023BuiltPer public record
About Sep 2026Listed (per MLS)MLS reports 21 cumulative days on market as of October 2, 2026
Sep 11, 2026First seen on movewithmomentum.comObserved at $599,000
Oct 2, 2026Price cut$580,000 (-$19,000, -3.2%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $580,000Momentum Realty · on market 21 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Duval County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Atlantic Beach. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate™
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Duval County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 1,768 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 2, 2026.
Momentum Scores
Momentum Property Score
70/100
Strongest on: Price vs area (84), Market liquidity (72)
0 limited50100 exceptional
70/100 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 area84
This home $328/sq ft vs the community 12-month median $379/sq ft.
Affordability58
List price $580,000 vs the community median $610,000. Not a measure of personal affordability.
Market liquidity72
Community median 47 days on market, ~1.6 months of supply (12-month record).
Pricing power66
Recent sales closed at about 94.7% of original asking (~5.3% 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.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and 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. 1.6 months of supply in the surrounding market and 21 days on market for this home, against a 47-day area median.Days on market:this home 21Area 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 October 1, 2026.
🟡 Asking $328 per square foot, about 13% 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 94.7% 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 October 1, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 10 active listings in Atlantic Beach, no CDD assessment.
Updated October 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
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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 KST GROUP LLC · MLS # 2164388
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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.
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338 19th Street, Atlantic Beach · $1,040,000 · 3 bd / 2.0 ba · listed October 1, 2026 (courtesy of BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY)
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)
1905 Sevilla Boulevard, Atlantic Beach · $1,245,000 · 3 bd / 2.5 ba · listed September 11, 2026 (courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS)
469 Skate Road, Atlantic Beach · $680,000 · 3 bd / 2.0 ba · listed September 9, 2026 (courtesy of ENGEL & VOLKERS FIRST COAST)
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Retail Dining
Grafton and Fleck's steakhouse breaks ground at the former Ragtime Tavern site
River Restaurant Group broke ground Sept. 30 on a steakhouse with a rooftop lounge at 299 Atlantic Blvd. in Beaches Town Center, replacing the closed Ragtime Tavern. The project is expected to open by summer 2027.
Why it matters: Reopening this corner could restore activity at Beaches Town Center, close to homes in Atlantic Beach and Neptune Beach.
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.
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.
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)
What's nearby
Drive times to everyday places
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
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 45 DONNER Road #C, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2023: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
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 1,768 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 $9,475/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,925 more per year than the current owner’s estimated bill (+25%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 2, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Duval County — no medians or automated estimate shown
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
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 45 DONNER Road #C and when was it built?
Per the listing record, 45 DONNER Road #C was built in 2023 and has 1,768 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 45 DONNER Road #C in?
45 DONNER Road #C is in Atlantic Beach, Duval County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 45 DONNER Road #C 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 45 DONNER Road #C differ from the current owner's?
The estimate on this page (about $9,475 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,925 more per year than the current owner’s estimated bill (+25%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 45 DONNER Road #C 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 45 DONNER Road #C 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.