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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 Coastal Oaks at Atlantic Beach, Jacksonville — a gated community home in Jacksonville.

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Sold

Sold·Closed Aug 15, 2025·76 days on market·Recent sales in Coastal Oaks at Atlantic Beach·Coastal Oaks at Atlantic Beach

2295 Sandy Bay Lane

Jacksonville, FL 32233

$470,000sold priceListed at $480,000 · 97.9% of asking$333/sqftMLS# 2083360
3
Beds
2
Baths
1,410
Sq Ft
2018
Built
2
Garage
No
Pool

All Coastal Oaks at Atlantic Beach homes for sale →Search Coastal Oaks at Atlantic Beach on the map

HOA $62/mo4,792 sqft lotSingle Family Residence1 story

About this home

Coastal Oaks at Atlantic Beach

READY TO MOVE TO THE BEACHES? Don't miss this charming 3-bedroom, 2-bathroom, 1,410 sq ft home in the sought-after Coastal Oaks gated community! Built in 2018, this open-concept beauty offers the perfect blend of modern upgrades and relaxed coastal living. Step inside to find a stylish kitchen featuring 42'' cabinets, granite countertops, an upgraded backsplash, and new stainless steel appliances (2023). The spacious living and dining areas flow effortlessly, leading to a screened lanai—ideal for unwinding or entertaining. Enjoy new luxury vinyl plank flooring, fresh interior paint, and an epoxy-coated 2-car garage floor. The primary suite offers peaceful views of the easy-to-maintain backyard, complete with an 8' privacy fence for ultimate seclusion. Additional perks, a new washer & dryer (2023), and a new HVAC system (2024), offering comfort and peace of mind. Located just minutes from the beach, shopping, dining, and entertainment

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$2,603
Property taxesest. at asking price, Duval County$767
HOAbilled annually$62
Estimated total, before insurance$3,433/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,073/yr · $589/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

$470,000
$94,000
Loan Term
Monthly Payment
$2,603
Principal & Interest: $2,603
Property taxes (est.): $767
Insurance (est.): $313
Estimated Total Monthly
$3,684
*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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $7,073/yr

Estimated taxes if purchased at asking price: ~$9,200/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 23, 2025Listed$480,000

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 $287/sq ft; this home is listed at $340/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2258 Sandy Bay Lane, Jacksonville, FL 32233Listed by BEYCOME OF FLORIDA LLCSep 2026$525,000$2873/2.51,828390.1
2009 Chelwood Court, Jacksonville, FL 32233Listed by ROUND TABLE REALTYOct 2026$352,000$3013/21,17050.3
1189 Cove Landing Drive, Jacksonville, FL 32233Listed by BACHMANN HOMES REALTY, LLCSep 2026$430,000$2954/21,456200.3
2039 Cypress Landing Drive, Jacksonville, FL 32233Listed by HOUWZER, INC.Sep 2026$367,000$2193/21,6721310.4
2140 Featherwood Drive W, Jacksonville, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$465,000$2853/21,63240.4
2217 Destine Lane, Jacksonville, FL 32233Listed by EXP REALTY LLCSep 2026$325,000$2663/21,2232450.5

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$480,000
Price / Sq Ft$340
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,410
Acres0.11 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2295 Sandy Bay Lane, Jacksonville, FL 32233
Area241-North Beach
SubdivisionCoastal Oaks at Atlantic Beach
CityJacksonville
CountyDuval
StateFL
Zip Code32233
Lot Size4,791.6 sq ft
Parcel Number1694100655

Amenities

AmenitiesGated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringVinyl
# of Stories1
LevelsOne
SecuritySecurity Gate

Exterior

Patio / PorchScreened
FencingBack Yard
ConstructionFiber Cement, Frame

Additional Information

Date ListedApril 23, 2025
Days on Market76
HOA Fees$745 / Annually
HOA FrequencyAnnually
Tax Amount$7,072.56
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

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.

The neighborhood

About Coastal Oaks at Atlantic Beach

Coastal Oaks at Atlantic Beach is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32233.

View all Coastal Oaks at Atlantic Beach homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 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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