This home is in Atlantic Beach.

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Active

Active·237 days on market

517 Beach Avenue

Atlantic Beach, FL 32233

$1,800,000$799/sqftEst. $9,580/moMLS# 2118666

Beds

Baths

2,252

Sq Ft

1923

Built

—

Garage

Pool

About this home

Atlantic Beach

25' beachfront lot, 3' right of way extending to a 15' x 8' parking area along Beach Ave. if you are looking for oceanfront location, charm and opportunity come and look at this sweet cedar shake Atlantic Beach cottage with tons of potential! 25' oceanfront lot, enter down a side , private lane on either the 3' easement on the north side of property or cute lane off of 5th street, marked 517. This 2-story home has a cozy kitchen and living area, family room, sunroom and office on first level, opening to a large ocean front deck. 2nd story has 4 bedrooms and large bath. 2nd floor oceanfront balcony with amazing views.

Cost to own

Mortgage calculator

Home Price

$1,800,000

Down Payment: 20%

$360,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$9,092

Principal & Interest: $9,092

Est. Taxes & Insurance: $2,273

Estimated Total Monthly

$11,365

*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$9,580

Property taxesest. at asking price, Duval County$2,939

Estimated total, before insurance$12,519/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	$1,554,418	$215,914	—
2024	$1,542,037	$208,981	▼ $161
2023	$1,288,255	$201,293	—
2022	$1,135,463	$198,329	—
2021	$913,102	$191,082	—
2020	$866,107	$187,747	—

2025 property taxes (current owner): $3,877/yr

Estimated taxes if purchased at asking price: ~$35,300/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 1923)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,826 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