This home is in Atlantic Beach.

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Active Under Contract

Active Under Contract·261 days on market

80 Beach Cottage Lane 201

Atlantic Beach, FL 32233

$1,300,000$456/sqftEst. $6,919/moMLS# 2115142

Beds

Baths

2,850

Sq Ft

2004

Built

Garage

Pool

About this home

Atlantic Beach

Welcome to your dream beachside retreat! This stunning, move-in ready home offers the perfect blend of modern elegance and relaxed coastal charm. Just a short stroll from the ocean, every day feels like a vacation in this beautifully updated residence. Step inside to discover a bright and airy open-concept layout, thoughtfully designed for both comfort and style. 1st floor features feather marble tile entry, a bedroom/den/office with French doors to the patio, full bath, understairs storage. 2nd floor is the heart of the home with a spacious great room that opens to a balcony, fully renovated kitchen with high-end Bosch appliances, Onyx countertops, custom painted cabinetry and a spacious island perfect for entertaining, and dining area with and additional bedroom.. 3rd floor is the primary suite with ocean breezes, balcony, a walk-in closet, and a luxurious spa-inspired bath, high ceilings, and one other bedroom. Natural light floods the living spaces thru oversized windows

Cost to own

Mortgage calculator

Home Price

$1,300,000

Down Payment: 20%

$260,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$6,567

Principal & Interest: $6,567

Est. Taxes & Insurance: $1,642

Estimated Total Monthly

$8,208

*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$6,919

Property taxesest. at asking price, Duval County$2,123

HOAbilled monthly$875

Estimated total, before insurance$9,917/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	$1,065,000	$456,019	—
2024	$998,000	$442,460	—
2023	$838,000	$428,117	—
2022	$722,500	$414,192	—
2021	$556,000	$400,672	—
2020	$524,000	$394,450	▲ $19,000

2024 property taxes (current owner): $7,864/yr

Estimated taxes if purchased at asking price: ~$25,500/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.

Sewer · FL0038776 - City of Atlantic Beach · Public water (record)

County records show this parcel on central sewer served by FL0038776 - City of Atlantic Beach — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,794 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

Jul 15, 2026Active Under Contract$1,300,000
Oct 27, 2025Listed$1,300,000

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

Features

Price$1,300,000

Price / Sq Ft$456

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,850

Acres0.01 acres

Year Built2004

TypeResidential

Sub-TypeTownhouse

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address80 Beach Cottage Lane 201, Atlantic Beach, FL 32233

Area231-Atlantic Beach-North

SubdivisionCottages Of Atlantic Bch

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size435.6 sq ft

Parcel Number1697000125

Amenities

AmenitiesPool

UtilitiesElectricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Elevator, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringMarble, Tile, Wood

# of Stories3

LevelsThree Or More