This home is in The Cloister, Atlantic Beach — an oceanfront home in Northeast Florida.
Active·140 days on market·The Cloister
10 10th Street 2
Atlantic Beach, FL 32233
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About this home
The Cloister
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.
Next steps in The Cloister
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, 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 homeAs 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
| 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.
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.
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 $816/sq ft; this home is listed at $811/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 701 Beach Avenue 201, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $1,485,000 | $873 | 2/2 | 1,701 | 24 | 0.1 |
| 10 10th Street 9B, Atlantic Beach, FL 32233Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $1,350,000 | $816 | 3/2 | 1,654 | 3 | 0.1 |
| 701 Beach Avenue 301, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Mar 2026 | $1,720,000 | $1,011 | 2/2 | 1,701 | 19 | 0.1 |
| 314 8th Street A, Atlantic Beach, FL 32233Listed by REAL BROKER LLC | Jan 2026 | $640,000 | $427 | 2/2.5 | 1,500 | 233 | 0.2 |
| 363 Sherry Drive, Atlantic Beach, FL 32233Listed by COLDWELL BANKER VANGUARD REALTY | Apr 2026 | $860,000 | $533 | 3/2.5 | 1,612 | 6 | 0.4 |
| 444 Osprey Key, Atlantic Beach, FL 32233Listed by ROUND TABLE REALTY | Jun 2026 | $725,000 | $390 | 3/3.5 | 1,858 | 2 | 0.5 |
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
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: SAVVY AVENUE, 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.
The neighborhood
About The Cloister
The Cloister is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32233.
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines