This home is in Jacksonville — a home near Duncan U. Fletcher High School.
Sold·Closed Jul 13, 2026·58 days on market·Recent sales in Atlantic Beach
2477 Montreal Street
Jacksonville, FL 32233
About this home
Jacksonville
Welcome to your new beach home, a slice of paradise. This home has an inviting open floor plan flowing seamlessly through the kitchen, living, and dining room with wood look LVP running throughout. The kitchen boasts stylish white shaker cabinets, top of the line quartz countertops and all new stainless steel appliances. You will love the split floor plan with a spacious master suite, including a walk in closet and master bath which has been fully remodeled with equal amounts of functionality and style. The whole house has updated plumbing and electrical fixtures, new paint inside and out and new knock down ceiling texture. On the other side of the house you will find the other three bedrooms each with plenty of natural light and spacious closets. One of the bedrooms offers access to the hall bathroom making it feel like an additional master bedroom. Come join the rapidly appreciating boater paradise that is Oak Harbor.
Next steps in Atlantic Beach
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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 — year not disclosed (home built 1964)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,668 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 homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $186,592 | $186,592 | — |
| 2024 | $254,295 | $202,317 | — |
| 2023 | $230,887 | $183,925 | — |
| 2022 | $208,017 | $167,205 | — |
| 2021 | $152,005 | $152,005 | — |
| 2020 | $145,596 | $78,480 | — |
2025 property taxes (current owner): $3,694/yr
Estimated taxes if purchased at asking price: ~$9,000/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.
History
Price & status history
- Jul 13, 2026Closed$470,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $304/sq ft; this home is listed at $353/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2464 Spokane Avenue E, Jacksonville, FL 32233Listed by MOMENTUM REALTY | Jul 2026 | $330,000 | $304 | 3/1 | 1,085 | 10 | 0 |
| 1148 Panuco Avenue N, Jacksonville, FL 32233Listed by WATSON REALTY CORP | Sep 2026 | $470,000 | $368 | 3/3 | 1,276 | 21 | 0.1 |
| 2447 Seaway Street, Jacksonville, FL 32233Listed by HOMECOIN.COM | Sep 2026 | $465,000 | $343 | 3/2 | 1,356 | 90 | 0.3 |
| 2570 S Stern Drive S, Jacksonville, FL 32233Listed by SUNCOAST PROPERTY MANAGEMENT LLC | Aug 2026 | $345,000 | $208 | 3/2 | 1,655 | 10 | 0.4 |
| 905 Gavagan Road, Jacksonville, FL 32233Listed by EXP REALTY LLC | Aug 2026 | $300,000 | $211 | 3/2 | 1,424 | 155 | 0.5 |
| 909 Gavagan Road, Jacksonville, FL 32233Listed by GREEN PALM REALTY & PROPERTY MANAGEMENT | Jul 2026 | $395,000 | $263 | 4/2 | 1,500 | 2 | 0.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MIDDLETON REALTY, INC.
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Keep looking
More homes in Oak Harbor
For Sale2455 Seaway StreetJacksonville, FL 32233
4 bd · 2 ba · 1,502 sq ft
$445,000Est. $2,368/moBACK ON THE MARKET AND MOVE IN READY! NEWLY RENOVATED, This stunning 4 bedroom, 2 bathroom home is steps away from the…
Listing Office: networth realty of jacksonville, llc
Under Contract2490 Spokane Avenue EJacksonville, FL 32233
4 bd · 2 ba · 1,248 sq ft
$429,000Est. $2,283/moLive in Atlantic Beach without paying beach prices! This adorable 4 bedroom 2 bath concrete block beach cottage offers…
Listing Office: momentum realty
For Sale2491 Montreal StreetJacksonville, FL 32233
4 bd · 2 ba · 1,125 sq ft
$385,000Est. $2,049/moWelcome to this 4-bedroom, 2-bathroom single-family home in Jacksonville. This 1,125-square-foot home offers a…
Listing Office: united real estate gallery
Under Contract1283 Nantucket AvenueJacksonville, FL 32233
3 bd · 2 ba · 1,062 sq ft
$375,000Est. $1,996/moRENOVATED BUNGALOO A SHORT BIKE RIDE TO ATLANTIC BEACH - EXPANSIVE FENCED BACKYARD FOR THE PUPS! Inside you will find…
Listing Office: re/max specialists pv
Keep looking
Similar homes in Jacksonville
Explore the area
More in Atlantic Beach
Atlantic Beach guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 13, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines