This home is in Atlantic Beach.

1 / 45

Active

Active·299 days on market

50 Beach Cottage Lane

Atlantic Beach, FL 32233

$1,290,000$453/sqftEst. $6,866/moMLS# 2108746

Beds

Baths

2,850

Sq Ft

2004

Built

Garage

Pool

About this home

Atlantic Beach

This 3-story home is designed for those who want to enjoy life by the sea with a carefree, low maintenance lifestyle. A private elevator connects every level, making the entire home effortlessly accessible. The ground floor offers a guest suite with full bath and a walk-out paver patio surrounded by lush landscaping. Upstairs, the open living and dining space flows to a balcony with updated flooring and fan, while the designer kitchen features sueded marble countertops, gold hardware, and soft-close cabinetry. Off the kitchen is an additional full guest bathroom and bedroom. The top level hosts a serene primary suite with a Japanese soaking tub for the ultimate in-home spa experience, plus another bedroom and full bath. Multiple balconies invite treetop views and salty breezes. Set at the end of a quiet street, across from the pool and private beach gate, this home blends low maintenance living with a relaxed coastal vibe.

Cost to own

Mortgage calculator

Home Price

$1,290,000

Down Payment: 20%

$258,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$6,516

Principal & Interest: $6,516

Est. Taxes & Insurance: $1,629

Estimated Total Monthly

$8,145

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$6,866

Property taxesest. at asking price, Duval County$2,106

HOAbilled monthly$875

Estimated total, before insurance$9,847/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,100,000	$1,100,000	—

Estimated taxes if purchased at asking price: ~$25,300/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 2004)

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

Solar potential: ~1,796 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Sep 19, 2025Listed$1,290,000

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

Features

Price$1,290,000

Price / Sq Ft$453

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,850

Year Built2004

TypeResidential

Sub-TypeCondominium

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryAtlantic Beach

MiddleMayport

HighDuncan Fletcher

Community Information

Address50 Beach Cottage Lane, Atlantic Beach, FL 32233

Area231-Atlantic Beach-North

SubdivisionCottages Of Atlantic Bch

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Parcel Number1697000140

ZoningResidential

Amenities

AmenitiesPool, Beach Access

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Shared Driveway

ViewPool

Interior

Interior FeaturesCeiling Fan(s), Elevator, Entrance Foyer, Guest Suite, Open Floorplan

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Washer/Dryer Stacked, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, In Garage, In Unit, Lower Level, Upper Level