This home is in Jacksonville — a home near Duncan U. Fletcher High School.
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Sold·Closed Aug 8, 2025·11 days on market·Recent sales in Atlantic Beach
1409 Pearl Street
Jacksonville, FL 32233
About this home
Jacksonville
WATCH THE CRUISE SHIPS PASS BY from your front porch swing! This one of a kind elevated 3BR/3BA concrete home + loft (possible 4th BR) sits on 5 combined lots nestled between the St. Johns River and the Ocean. Features include a private elevator, huge front and back porches, updated roof & HVAC (~6 yrs old), New Septic System, gated entry, and 1-car garage. No HOA—bring your boat/RV. AIR BNB (this is Jax not Atl Bch) or explore bed & breakfast opportunities in this fast-emerging riverfront district. Priced $40K below recent appraisal! Walk or golf cart to the Mayport ferry, public marina, Osearch Institute, and seafood restaurant landmarks Singleton's & Safe Harbor. Minutes to Atlantic and Jax beaches, Hannah Park, and the Jetties. Located within Mayport's Multi-Million-Dollar Waterfront Expansion Zone (shops, slips, live music coming!) Survey in docs
Next steps in Atlantic Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
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 1997)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,749 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 homeThis 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Parking Lot 1- Aabout 2 mi · 200 parking spaces
Closest park or preserve
Kathryn Abbey Hanna Parkabout 2 mi · 12.7 mi of trails
Closest public boat ramp
Michael B. Scanlon Mayport Boat Rampabout 0.4 mi · St. Johns River
Closest kayak & paddleboard launch
Haulover Creek Undeveloped Launch Siteabout 1 mi · Haulover Creek
Closest youth league fields
Donner Park & Gail Baker Community Centerabout 4 mi · Football, Soccer
Closest grocery store
Publixabout 5 mi · 2771 Monument Rd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:33 AM, sunset 6:47 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $4,176/yr
Estimated taxes if purchased at asking price: ~$10,300/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.
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 $268/sq ft; this home is listed at $305/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1337 Roxie Street, Jacksonville, FL 32233Listed by THE PRIME REAL ESTATE COMPANY | Aug 2026 | $445,000 | $268 | 3/2.5 | 1,660 | 28 | 0.1 |
| 4629 Ribault Park Street, Jacksonville, FL 32233Listed by NAVY TO NAVY HOMES LLC | Jul 2026 | $454,000 | $277 | 3/2.5 | 1,639 | 4 | 0.1 |
| 1451 Roxie Street, Jacksonville, FL 32233Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Jun 2026 | $200,000 | $123 | 3/2 | 1,620 | 937 | 0.1 |
| 1337 Roxie Street, Atlantic Beach, FL 32233Listed by COMMUNITY REALTY ASSOCIATES | Oct 2025 | $445,000 | $268 | 3/2.5 | 1,660 | 8 | 0.1 |
| 1428 Palmer Street, Jacksonville, FL 32233Listed by HAMILTON HOUSE REAL ESTATE GROUP, LLC | Jun 2026 | $459,000 | $280 | 3/2.5 | 1,639 | 16 | 0.2 |
| 1416 Palmer Street, Jacksonville, FL 32233Listed by JWB REALTY LLC | Jan 2026 | $426,000 | $258 | 3/2.5 | 1,652 | 153 | 0.2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PONTE VEDRA PALM VALLEY REAL ESTATE COMPANY LLC
Sold by: NEXTHOME ENDLESS SUMMER (buyer's brokerage)
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.
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Krista Fracke
Broker Associate
This home sold on Aug 8, 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
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines