This home is in Atlantic Beach.

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Active

Active·128 days on market

362 19th Street

Atlantic Beach, FL 32233

$2,850,000$742/sqftEst. $15,169/moMLS# 2133893

Beds

Baths

3,839

Sq Ft

2026

Built

Garage

Yes

Pool

About this home

Atlantic Beach

An exceptional opportunity to secure a thoughtfully designed custom home while there's still time to personalize the details. Currently under construction with anticipated completion in Q1 2027, this residence blends timeless coastal architecture with high-end finishes and modern livability. The home will feature a spacious layout with a three-car garage and a private backyard retreat complete with a pool, creating the perfect setting for relaxed coastal living and entertaining. The kitchen is designed as the heart of the home, centered around a large island and outfitted with premium Thermador appliances. Kolbe windows are planned throughout, bringing in natural light while complementing the home's refined architectural style. Buyers who come in early will have the opportunity to collaborate on selections and customize finishes, making this a rare chance to shape a new construction home in one of Atlantic Beach's most desirable areas.

Cost to own

Mortgage calculator

Home Price

$2,850,000

Down Payment: 20%

$570,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$14,396

Principal & Interest: $14,396

Est. Taxes & Insurance: $3,599

Estimated Total Monthly

$17,995

*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$15,169

Property taxesest. at asking price, Duval County$4,654

Estimated total, before insurance$19,823/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.

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 2026)

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: ~1,331 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