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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 CC, Atlantic Beach — a home near Duncan U. Fletcher High School.

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Sold

Sold·Closed Oct 1, 2025·4 days on market·Recent sales in Atlantic Beach CC·Atlantic Beach CC

1709 Atlantic Beach Drive

Atlantic Beach, FL 32233

$2,275,000sold priceListed at $2,325,000 · 97.8% of asking$657/sqftMLS# 2104538
4
Beds
3.5
Baths
3,464
Sq Ft
2019
Built
3
Garage
No
Pool

All Atlantic Beach CC homes for sale →Search Atlantic Beach CC on the map

HOA $85/mo8,712 sqft lotSingle Family Residence2 stories

About this home

Atlantic Beach CC

Enjoy the ABCC lifestyle showcasing this Beautiful Custom Built Home with upscale finishes throughout. Architecturally built with entrance that welcomes family and guest inside to a grand foyer leading to an extremely spacious kitchen, dining and family room. Home features a Chef's kitchen, gas cooktop, granite countertops, four bedrooms, 3.5 bathrooms, playroom, loft with study and open floor-plan perfect for family gatherings. Great home for entertaining, screened patio featuring backyard living areas including a summer kitchen area and natural landscaped privacy. Property has been professionally landscaped and cared for in a meticulous manner. Location is less than a quarter mile from Atlantic Beach CC. Transferrable membership to ABCC. Please see attached Home Features under documents tab.

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$12,601
Property taxesest. at asking price, Duval County$3,715
HOAbilled annually$85
Estimated total, before insurance$16,401/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$15,469/yr · $1,289/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

$2,275,000
$455,000
Loan Term
Monthly Payment
$12,601
Principal & Interest: $12,601
Property taxes (est.): $3,715
Insurance (est.): $1,517
Estimated Total Monthly
$17,833
*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: Metal — year not disclosed (home built 2019)

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

Solar potential: ~1,830 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:28 AM, sunset 6:55 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

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): $15,469/yr

Estimated taxes if purchased at asking price: ~$44,600/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

  • Aug 18, 2025Listed$2,325,000

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 $530/sq ft; this home is listed at $671/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1714 Atlantic Beach Drive, Atlantic Beach, FL 32233Listed by MOMENTUM REALTYOct 2026$1,915,000$5274/3.53,6351880
556 Timber Bridge Lane, Atlantic Beach, FL 32233Listed by REAL BROKER LLCOct 2026$2,050,000$5104/3.54,02370.2
1625 Atlantic Beach Drive, Atlantic Beach, FL 32233Listed by WATSON REALTY CORPJul 2026$2,000,000$6364/33,147230.2
1804 Atlantic Beach Drive, Atlantic Beach, FL 32233Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$1,800,000$6214/42,898870.2
568 Timber Bridge Lane, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$1,600,000$5304/33,0181200.2
1905 Sevilla Boulevard W, Atlantic Beach, FL 32233Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$1,000,000$3843/2.52,60200.4

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$2,325,000
Price / Sq Ft$671
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,464
Acres0.20 acres
Year Built2019
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

Community Information

Address1709 Atlantic Beach Drive, Atlantic Beach, FL 32233
Area231-Atlantic Beach-North
SubdivisionAtlantic Beach Cc
CityAtlantic Beach
CountyDuval
StateFL
Zip Code32233
Lot Size8,712 sq ft
Parcel Number1695051390

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Golf Course, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks
UtilitiesCable Available, Natural Gas Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Electric Vehicle Charging Station(s), Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler
HeatingCentral
CoolingCentral Air
FlooringWood
# of Stories2
LevelsTwo
LaundryLower Level
SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s), Other

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Front Porch, Patio, Screened
FencingPrivacy
RoofMetal
ConstructionComposition Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 19, 2025
Days on Market4
HOA Fees$1,020 / Annually
HOA FrequencyAnnually
HOA NameAtlantic Beach CC HOA
Tax Amount$15,468.53
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THE LEGENDS OF REAL ESTATE

Sold by: PALM REALTY GROUP INC (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.

The neighborhood

About Atlantic Beach CC

Atlantic Beach CC is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32233.

View all Atlantic Beach CC homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 1, 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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