This home is in Atlantic Beach.
Active·153 days on market
354 11th Street
Atlantic Beach, FL 32233
About this home
Atlantic Beach
Open House: Saturday , July 18: Noon-3PM. In the heart of Atlantic Beach, just 2.5 short blocks from the ocean, this never-lived-in custom residence offers 4,807 SF of refined warm neutrals & effortless beachside living. Located on one of the area's most desirable streets, it blends modern design with timeless elegance. CUSTOM BUILT! CONCRETE 1ST LEVEL, 10' ceilings thru-out, an open-concept layout create light-filled living spaces ideal for both entertaining & everyday comfort. The chef's kitchen anchors the main level, flows seamlessly to expansive living & dining areas designed for connection & ease. This home integrates the indoor and outdoor living, stacked floor to ceiling glass doors lead to a very PRIVATE backyard, resort-like setting FULLY FENCED, salt water pool & spa. The spacious primary suite is a private retreat with spa-inspired finishes, while secondary bedrooms provide comfort and privacy. The home design offers an option to add an elevator. LIVE THE DREAM
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Last sold: $1,140,000 in January 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $987,416 | $987,416 | — |
| 2025 | $929,657 | $899,104 | — |
| 2024 | $1,027,865 | $1,027,865 | — |
| 2024 | $817,368 | $817,368 | — |
| 2023 | $1,018,308 | $697,863 | — |
| 2023 | $807,023 | $807,023 | — |
| 2022 | $970,398 | $634,421 | — |
| 2022 | $769,298 | $136,568 | — |
| 2021 | $579,659 | $576,746 | — |
| 2021 | $628,822 | $131,134 | — |
| 2020 | $568,902 | $524,315 | — |
| 2020 | $624,126 | $128,634 | — |
Estimated taxes if purchased at asking price: ~$81,800/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.
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 2025)
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: ~1,643 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 homeInformational 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
- Feb 12, 2026Listed$4,175,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Expert
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.
Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
Open Houses
7/18/2026
12:00 pm - 3:00 pm