This home is in Atlantic Beach.
Active·138 days on market
2277 Seminole Road M
Atlantic Beach, FL 32233
About this home
Atlantic Beach
Oceanfront views under $2 million in Atlantic Beach -- opportunities like this don't come around often. This fully updated, light-filled end unit offers private beach access, breathtaking sunrise views, and the effortless coastal lifestyle most people only dream about. Featuring 3 bedrooms, 3 bathrooms, and a versatile office/flex room, every detail has been thoughtfully designed for comfortable beachfront living. Wake up to the sound of waves and step onto your upper deck to watch the sun rise over the Atlantic, then unwind on the sheltered lower deck as the ocean breeze rolls in. The low HOA covers water, garbage, sewer, lawn, parking, and upkeep of all common areas including the beach walkway and shared deck. Located just steps from the sand and a short ride to the Atlantic Beach Country Club and the vibrant Beaches Town Center -- dining, coffee shops, live music, and boutique shopping all within reach. High and dry in Flood Zone X.
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: $1,700,000 in May 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,280,085 | $1,280,085 | — |
| 2024 | $1,264,100 | $1,264,100 | ▼ $102 |
| 2023 | $910,190 | $910,190 | — |
| 2022 | $823,031 | $823,031 | — |
| 2021 | $573,698 | $124,751 | — |
| 2020 | $580,832 | $122,339 | — |
Estimated taxes if purchased at asking price: ~$38,300/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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1978)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer · FL0038776 - City of Atlantic Beach GIS sewer features · Public water (record)
County records indicate this parcel on central sewer served by FL0038776 - City of Atlantic Beach GIS sewer features — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,776 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 27, 2026Listed$1,955,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY
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