Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Atlantic Shores, Jacksonville Beach — a home near Duncan U. Fletcher High School.

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Pending

Pending·6 days on market·Atlantic Shores

259 32nd Avenue S

Jacksonville Beach, FL 32250

$1,125,000$453/sqftEst. $5,790/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: 6.67%

Loan Term

Monthly Payment

$5,790

Principal & Interest: $5,790

Property taxes (est.): $1,837

Insurance (est.): $750

Estimated Total Monthly

$8,377

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.67% · 30yr$5,790

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

Estimated total, before insurance$7,627/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,555/yr · $380/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).

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

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.

History