This home is in Atlantic Beach.

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Active Under Contract

Active Under Contract·120 days on market

1515 Beach Avenue

Atlantic Beach, FL 32233

$8,950,000$2026/sqftEst. $47,636/moMLS# 2132995

Beds

Baths

4,418

Sq Ft

2006

Built

Garage

Yes

Pool

About this home

Atlantic Beach

This stunning West indies-style home designed by Cronk-Duch offers a luxurious Beach Villa experience, located in the heart of Atlantic Beach. It features a wonderfully livable and open floor plan with attention to finishes and details throughout. Mahogany trim, doors, beams & windows throughout create a warm and inviting atmosphere. Marble & stone through out add elegance. 3 fireplaces. First floor has an open chef's kitchen with a 8' x 8' marble island, Wolf gas cooktop, Subzero refrigerator, etc. lovely dining area and great room with oversized pocket doors that open to the expansive pool/spa area. The pool is recently totally refurbished and yard with new turf & putting green perfect for relaxing and entertaining. First floor also has an office/den and laundry room. 2 nd floor features a spacious primary suite with lavish bath with a sauna and oceanfront balcony. Two more well appointed bedrooms and a full bath on the floor for family or guests. See more...

Cost to own

Mortgage calculator

Home Price

$8,950,000

Down Payment: 20%

$1,790,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$45,209

Principal & Interest: $45,209

Est. Taxes & Insurance: $11,302

Estimated Total Monthly

$56,511

*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$47,636

Property taxesest. at asking price, Duval County$14,614

Estimated total, before insurance$62,250/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	$5,237,366	$3,289,532	—
2024	$5,080,164	$3,196,117	▼ $1,260
2023	$4,412,124	$3,101,570	—
2022	$3,752,116	$3,009,777	—
2021	$3,146,401	$2,920,658	—
2020	$2,989,242	$2,879,643	—

2024 property taxes (current owner): $55,820/yr

Estimated taxes if purchased at asking price: ~$175,400/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: material not specified — year not disclosed (home built 2006)

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: ~1,810 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

Mar 17, 2026Listed$8,950,000

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

Features

Price$8,950,000

Price / Sq Ft$2,026

Bedrooms6

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,418

Acres0.30 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontYes

Community Information

Address1515 Beach Avenue, Atlantic Beach, FL 32233

Area231-Atlantic Beach-North

SubdivisionAtlantic Beach

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size13,068 sq ft

Parcel Number1703090000

Amenities

UtilitiesElectricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingDetached

Waterfront TypeOcean Front

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces2

# of Stories2

LevelsTwo