This home is in Atlantic Beach.
Active·50 days on market
10 10th Street 2
Atlantic Beach, FL 32233
About this home
Atlantic Beach
The Cloister's condominium in Atlantic Beach is a direct oceanfront residence. It is a seldom offered four bedroom home. Additional attributes are that it is an end unit on the second floor of the three-story condominium building. Included are two large contiguous garage units in addition to the exclusive security gate protected private parking. The enclosed porch is available for added living area, but is not included in the overall square footage stated. This end unit facilitates multiple windows for natural light and neighborhood views as opposed to a common wall with a neighbor. It exists with the original finish having the carpeting removed to provide a blank slate for a new remodel. The 4 bedroom floorplan has an opportunity to expand the master bath into the oversized laundry room. This is not the case with the typical 3 bedroom floor plans. The Cloister's is a small intimate three story development with private pool and gated access on a beach without the crowds.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $1,159,000 | $1,159,000 | — |
| 2024 | $1,159,000 | $1,159,000 | — |
| 2023 | $1,159,000 | $1,159,000 | — |
| 2022 | $875,000 | $772,200 | — |
| 2021 | $702,000 | $702,000 | — |
| 2020 | $702,000 | $702,000 | — |
Estimated taxes if purchased at asking price: ~$31,200/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 1975)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer · FL0038776 - City of Atlantic Beach · Public water (record)
County records indicate 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: ~1,704 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 homeInformational 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
- May 25, 2026Listed$1,590,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: SAVVY AVENUE, LLC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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