This home is in Royal Palms, Atlantic Beach.

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Pending

Pending·187 days on market·Royal Palms

365 Sargo Road

Atlantic Beach, FL 32233

$550,000$399/sqftEst. $2,927/moMLS# 2124470

Beds

Baths

1,377

Sq Ft

1961

Built

—

Garage

Pool

About this home

Royal Palms

Price Improvement! Welcome to 365 Sargo Rd. -- a 1,377 SF well-maintained 3-bedroom, 2-bath concrete block home located in the heart of Atlantic Beach. Situated just one mile from the beach, this home was built for durability and provides low-maintenance that is ideal for coastal living! The functional floor plan features tile floors throughout with an abundance of natural light, white shaker kitchen cabinets, quartz countertops and SS appliances while also providing comfortable living space. Stepping into the backyard you will find a large paver patio that is perfect for outdoor living, entertaining, or relaxing after a day at the beach. Ideal for full-time residents or as an investment property, this home offers the convenience of coastal living and is also close to local dining and shopping. Roof replaced in 2022. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,778

Principal & Interest: $2,778

Est. Taxes & Insurance: $695

Estimated Total Monthly

$3,473

*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$2,927

Property taxesest. at asking price, Duval County$898

Estimated total, before insurance$3,825/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	$461,198	$451,363	—
2024	$444,845	$410,330	▲ $113
2023	$373,028	$373,028	—
2022	$327,873	$232,482	—
2021	$284,435	$224,255	—
2020	$279,606	$220,469	—

2025 property taxes (current owner): $7,826/yr

Estimated taxes if purchased at asking price: ~$10,800/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,629 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.