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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Active Under Contract

Active Under Contract·10 days on market

5811 Atlantic Boulevard 229

Jacksonville, FL 32207

$99,000$97/sqftEst. $512/moMLS# 2120597
2
Beds
1
Baths
1,018
Sq Ft
1970
Built
Garage
No
Pool

About this home

Jacksonville

PRICED TO SELL, PRESENT AN OFFER - FANNIE AND FREDDIE APPROVED! Experience waterfront living in the heart of Jacksonville! This beautifully maintained 2-bedroom condo is located in a serene riverfront community along the majestic St. Johns River. Enjoy resort-style amenities including a sparkling pool, a spacious clubhouse with a pool table, wet bar and entertaining space, and a private waterfront dock--complete with complimentary boat slips for residents. Kayaks are also available for residents, perfect for exploring the tranquil riverfront right from your backyard. Whether you're relaxing by the water, hosting friends in the clubhouse, or enjoying sunset views from the dock, this community offers an unmatched blend of comfort, convenience, and coastal charm--all just minutes from downtown Jacksonville.

Cost to own

Mortgage calculator

$99,000
$19,800
Loan Term
Monthly Payment
$512
Principal & Interest: $512
Property taxes (est.): $162
Insurance (est.): $66
Estimated Total Monthly
$739
*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$512
Property taxesest. at asking price, Duval County$162
HOAbilled monthly$401
Estimated total, before insurance$1,074/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,069/yr · $172/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

YearMarket valueTaxable valueChange
2025$119,000$112,735 $2,000
2024$117,000$102,487
2023$117,000$93,170
2022$100,500$84,700
2021$77,000$77,000
2020$70,500$70,500

2025 property taxes (current owner): $2,069/yr

Estimated taxes if purchased at asking price: ~$1,900/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Tile — year not disclosed (home built 1970)

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

Likely sewer · Private well (public record)

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

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

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

Price & status history

  • Aug 8, 2026Active Under Contract$99,000
  • Dec 6, 2025Listed$99,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$99,000
Price / Sq Ft$97
Bedrooms2
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage1,018
Acres0.01 acres
Year Built1970
TypeResidential
Sub-TypeCondominium
StyleSpanish
StatusActive Under Contract
Has PoolNo
Is WaterfrontNo

Community Information

Address5811 Atlantic Boulevard 229, Jacksonville, FL 32207
Area041-Arlington
SubdivisionCarlton At Oak Landing
CityJacksonville
CountyDuval
StateFL
Zip Code32207
Lot Size435.6 sq ft
Parcel Number1346031980
ZoningCondominium

Amenities

AmenitiesPool, Boat Dock, Boat Slip, Clubhouse, Fitness Center, Maintenance Grounds, Management - Off Site, Trash, Water
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingDetached, Parking Lot, Unassigned

Interior

Interior FeaturesCeiling Fan(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator, Washer/Dryer Stacked
HeatingCentral
CoolingCentral Air, Electric
FlooringTile, Vinyl, Wood
# of Stories2
LevelsTwo
LaundryIn Unit, Upper Level

Exterior

Exterior FeaturesBoat Slip, Dock
Lot DescriptionMany Trees
Patio / PorchPatio
RoofTile
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 26, 2026
Days on Market272
HOA Fees$401 / Monthly
HOA FrequencyMonthly
HOA NameFirstService Residential
HOA Fee IncludesMaintenance Grounds, Trash
Tax Amount$2,069.19
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

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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20+ years · 500+ closings · NE Florida

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