This home is in Atlantic Beach.

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Active Under Contract

Active Under Contract·181 days on market

1875 Live Oak Lane

Atlantic Beach, FL 32233

$1,290,000$593/sqftEst. $6,866/moMLS# 2124641

Beds

Baths

2,177

Sq Ft

1980

Built

Garage

Pool

About this home

Atlantic Beach

One of a Kind, this stunning CUSTOM RENOVATED 3 bedroom, 2 and a half bathroom home is .6 miles from the ocean. A rare opportunity nestled in the heart of Atlantic beach, this home sits on a quaint street lined with Florida oak trees that are straight out of your dreams. Stepping inside, this home welcomes you with a contemporary yet cozy atmosphere that will engulf you and make you feel like the property was made exactly for you. The master suite offers features such as the extra large room that is complimented by a walk in closet, fully renovated bathroom with a double shower head and a vanity nook. A few highlights include the extra tall ceilings in the living room, the completely remodeled kitchen with Cafe appliances and the large upstairs loft perfect to use as a lounge. This type of property does not come available often. Call to schedule your tour today!

Cost to own

Mortgage calculator

Home Price

$1,290,000

Down Payment: 20%

$258,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$6,516

Principal & Interest: $6,516

Est. Taxes & Insurance: $1,629

Estimated Total Monthly

$8,145

*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$6,866

Property taxesest. at asking price, Duval County$2,106

Estimated total, before insurance$8,972/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	$891,473	$205,147	—
2024	$891,556	$198,658	▼ $321
2023	$637,839	$191,416	—
2022	$607,425	$184,385	—
2021	$507,946	$177,559	—
2020	$461,882	$174,418	—

Estimated taxes if purchased at asking price: ~$25,300/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: Shingle — year not disclosed (home built 1980)

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: ~1,167 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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