This home is in Atlantic Shores, Jacksonville Beach.

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Active·232 days on market·Atlantic Shores

259 32nd Avenue S

Jacksonville Beach, FL 32250

$1,125,000$453/sqftEst. $5,988/moMLS# 2119414

Beds

Baths

2,484

Sq Ft

2006

Built

Garage

Pool

About this home

Atlantic Shores

FRESHLY PAINTED EXTERIOR!! Coastal luxury awaits in this impeccably maintained 4-bedroom, 3-bath home ideally situated east of A1A, just steps from the ocean. Thoughtfully upgraded throughout, this residence blends timeless design with modern comfort in one of Jacksonville Beach's most desirable locations. The first floor features rich hardwood flooring, a private guest suite w/ a full bath, & an inviting living area centered around a gas fireplace. The gourmet kitchen is equipped w/ KitchenAid stainless steel appliances, a gas range, vented hood, wall oven, microwave, & a newly installed Ca'Lefort wine refrigerator. Additional highlights include hurricane-impact windows, a water softener, smooth ceilings, wide baseboards, and refined architectural details throughout. The one-car garage provides convenience, while the private outdoor living space with an outdoor shower offers the perfect setting for beachside living.

Cost to own

Mortgage calculator

Home Price

$1,125,000

Down Payment: 20%

$225,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,683

Principal & Interest: $5,683

Est. Taxes & Insurance: $1,421

Estimated Total Monthly

$7,103

*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$5,988

Property taxesest. at asking price, Duval County$1,837

Estimated total, before insurance$7,825/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	$984,237	$238,096	—
2024	$1,049,945	$230,679	▼ $112
2023	$1,073,379	$222,504	—
2022	$961,816	$214,567	—
2021	$737,603	$206,862	—
2020	$723,226	$203,316	▲ $58,668

2025 property taxes (current owner): $4,555/yr

Estimated taxes if purchased at asking price: ~$22,000/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Metal — year not disclosed (home built 2006)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,796 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