This home is in Atlantic Beach.

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Active Under Contract

Active Under Contract·194 days on market

365 8th Street

Atlantic Beach, FL 32233

$3,750,000$541/sqftEst. $19,959/moMLS# 2123259

Beds

Baths

6,928

Sq Ft

2016

Built

Garage

Pool

About this home

Atlantic Beach

Just blocks from the sand, this custom-built residence redefines coastal living; every detail reflects intentional design & exceptional craftsmanship. Vaulted ceilings with bespoke wood beams define the main living space, anchored by a custom artisan-tiled fireplace and effortless flow to an outdoor patio. The chef's kitchen is a statement of form and function, featuring Thermador appliances, quartzite countertops, custom cabinetry, and a built-in banquette. The owner's suite is a true sanctuary, offering a spa-like bath, soaking tub, walk-in shower, and expansive custom closet. A main-level guest suite offers comfort and privacy, while upstairs a media room with a wet bar, living space, and additional bedrooms provide versatility A fully functional basement, a rarity in Florida, is ideal for a private gym, wine cellar, or media lounge. A four-car garage and commercial-grade generator complete this rare beachside offering! OPTION TO PACKAGE LOT + HOUSE TOGETHER FOR A DEAL. CALL AGENT.

Cost to own

Mortgage calculator

Home Price

$3,750,000

Down Payment: 20%

$750,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$18,942

Principal & Interest: $18,942

Est. Taxes & Insurance: $4,736

Estimated Total Monthly

$23,678

*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$19,959

Property taxesest. at asking price, Duval County$6,123

Estimated total, before insurance$26,082/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	$3,998,461	$2,479,431	—
2024	$3,652,343	$2,254,029	▼ $633
2023	$2,314,062	$2,049,118	—
2022	$2,102,201	$1,862,835	—
2021	$1,693,487	$1,693,487	—
2020	$1,649,420	$1,649,420	—

2025 property taxes (current owner): $52,282/yr

Estimated taxes if purchased at asking price: ~$73,500/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Metal — year not disclosed (home built 2016)

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

Likely sewer · Public water (record)

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

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

Solar potential: ~1,783 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

Price & status history

Jul 12, 2026Active Under Contract$3,750,000
Jan 2, 2026Listed$3,750,000

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

Features

Price$3,750,000

Price / Sq Ft$541

Bedrooms4

Bathrooms4.00

Full Baths3

Half Baths2

Square Footage6,928

Acres0.24 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages4

Has PoolNo

Is WaterfrontNo

Community Information

Address365 8th Street, Atlantic Beach, FL 32233

Area232-Atlantic Beach-South

SubdivisionAtlantic Beach

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size10,454.4 sq ft

Parcel Number1699740000

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePrivate

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Guest, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Eat-in Kitchen, Elevator, Guest Suite, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Freezer, Gas Oven, Gas Range, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric, Split System, Zoned

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories3

LevelsThree Or More

LaundryLower Level, Upper Level