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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Atlantic Beach — a home near Duncan U. Fletcher High School.

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Sold

Sold·Closed May 15, 2025·2 days on market·Recent sales in Atlantic Beach

632 Stocks Street

Atlantic Beach, FL 32233

$374,000sold priceListed at $379,000 · 98.7% of asking$257/sqftMLS# 2081279
3
Beds
2
Baths
1,458
Sq Ft
2002
Built
2
Garage
No
Pool
No HOA3,920 sqft lotSingle Family Residence2 stories

About this home

Atlantic Beach

Cute well-maintained home in desirable Atlantic Bch. This home definitely expresses cool Beach Vibes! Come see this bright and airy open floor plan at the Beaches! Tranquil and luscious backyard w/ patio and new fence, perfect for your firepit and entertaining. Spacious open family room and kitchen. 2 car garage, Nice size Primary bedroom, and big closets. A/C 2021, NO HOA!!!!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,072
Property taxesest. at asking price, Duval County$611
Estimated total, before insurance$2,682/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,545/yr · $212/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$374,000
$74,800
Loan Term
Monthly Payment
$2,072
Principal & Interest: $2,072
Property taxes (est.): $611
Insurance (est.): $249
Estimated Total Monthly
$2,932
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2002)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,798 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $2,545/yr

Estimated taxes if purchased at asking price: ~$7,300/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Apr 11, 2025Listed$379,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $332/sq ft; this home is listed at $260/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
410 Main Street, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$371,500$3323/21,11940.1
1145 Stocks Street, Atlantic Beach, FL 32233Listed by WHOLESALE REALTY LLCSep 2026$415,000$3793/21,096130.2
1455 Begonia Street, Atlantic Beach, FL 32233Listed by 1 REALTY CORPSep 2026$242,000$2302/11,050320.4
43 Forrestal Circle N, Atlantic Beach, FL 32233Listed by SELLSTATE JAX REALTYAug 2026$350,000$2582/1.51,3551230.4
310 Skate Road, Atlantic Beach, FL 32233Listed by NON MLS (realMLS)Aug 2026$375,000$2613/1.51,43630.6
785 Triton Road, Atlantic Beach, FL 32233Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$710,000$4733/21,500200.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$379,000
Price / Sq Ft$260
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,458
Acres0.09 acres
Year Built2002
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address632 Stocks Street, Atlantic Beach, FL 32233
Area233-Atlantic Beach-West
SubdivisionAtlantic Beach
CityAtlantic Beach
CountyDuval
StateFL
Zip Code32233
Lot Size3,920.4 sq ft
Parcel Number1709140050

Amenities

UtilitiesSewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2

Exterior

FencingBack Yard
RoofShingle
ConstructionStucco
Road SurfaceAsphalt

Additional Information

Date ListedApril 11, 2025
Days on Market2
Tax Amount$2,544.92
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 15, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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