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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 Jacksonville.

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Sold

Sold·Closed Jul 31, 2026·238 days on market·Recent sales in Atlantic Beach

961 Calypso Way Lot 20

Jacksonville, FL 32233

$549,900sold priceListed at $549,900 · 100% of asking$283/sqftMLS# 2116621
4
Beds
2
Baths
1,941
Sq Ft
2024
Built
2
Garage
No
Pool
FEMA Zone XHOA $25/mo6,098 sqft lotSingle Family Residence1 story

About this home

Jacksonville

BACK ON THE MARKET!!!!!! BETTER THAN NEW! SELLER BOUGHT NEW CONSTRUCTION 1.5 YEARS AGO AND LIVED IN IT WHILE RENOVATING A PRIMARY RESIDENCE. ABSOLUTELY IMMACULANT! STILL UNDER THE TRANSFERABLE 2-10 WARRANTY. 4 Bedroom, 2 Bath, 1941 sqft, one story home with two car garage. A short drive to Hanna Park, Dutton Island Preserve and the Atlantic Beach Pier. Hardy Panel exterior siding and 9-foot ceilings. Covered Rear Porch. Upgraded Finishes with Premium Vinyl Flooring, Granite Countertops in Kitchen and Baths, Porcelain Tile Bathrooms, Fenced Rear Yard, Ceiling fans in all Bedrooms. Seller added full integrated Alarm and Wireless internet system. Buyer can activate monitored Alarm at closing. Master Bath with Glass Shower Enclosure and Custom Vanity. Inside Laundry with Overhead Cabinets. Washer and Dryer Convey. Insulated Garage Door and Electric Opener. Gutters on all sides. Seller will contribute 1% towards Buyers Closing Costs with the use of the Preferred Lender

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$3,046
Property taxesest. at asking price, Duval County$898
HOAbilled annually$25
Estimated total, before insurance$3,969/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$794/yr · $66/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

$549,900
$109,980
Loan Term
Monthly Payment
$3,046
Principal & Interest: $3,046
Property taxes (est.): $898
Insurance (est.): $367
Estimated Total Monthly
$4,310
*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.

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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 2024)

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

Solar potential: ~1,751 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

As of July 2026, 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.

Cost to own

Taxes & assessment

Last sold: $489,900 in April 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$432,739$432,739—
2024$100,000$13,899—
2023$125,000$12,636—

2024 property taxes (current owner): $794/yr

Estimated taxes if purchased at asking price: ~$10,800/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.

History

Price & status history

  • Jul 31, 2026Closed$549,900
  • May 1, 2026Listed$549,900

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 $295/sq ft; this home is listed at $283/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2039 Cypress Landing Drive, Jacksonville, FL 32233Listed by HOUWZER, INC.Sep 2026$367,000$2193/21,6721310.2
2258 Sandy Bay Lane, Jacksonville, FL 32233Listed by BEYCOME OF FLORIDA LLCSep 2026$525,000$2873/2.51,828390.3
1189 Cove Landing Drive, Jacksonville, FL 32233Listed by BACHMANN HOMES REALTY, LLCSep 2026$430,000$2954/21,456200.5
1733 Atlantic Beach Drive, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$1,620,000$6983/32,322520.5
2281 McAlpin Court, Jacksonville, FL 32233Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$370,000$2214/2.51,676540.7
1656 Park Terrace W, Atlantic Beach, FL 32233Listed by MOMENTUM REALTYSep 2026$1,850,000$8174/32,26310.8

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$549,900
Price / Sq Ft$283
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,941
Acres0.14 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address961 Calypso Way Lot 20, Jacksonville, FL 32233
Area241-North Beach
SubdivisionDonners Replat
CityJacksonville
CountyDuval
StateFL
Zip Code32233
Lot Size6,098.4 sq ft
Lot Dimensions48 x 130
Parcel Number1694460165

Amenities

UtilitiesCable Connected, Sewer Connected, Water Connected
SewerPrivate Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch, Patio
FencingFenced, Back Yard, Wood
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedMay 1, 2026
Days on Market238
HOA Fees$300 / Annually
HOA FrequencyAnnually
Tax Amount$794.18
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PASSPORT REALTY, 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 31, 2026. 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.

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20+ years · 500+ closings · NE Florida

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