This home is in Atlantic Beach.
Active·18 days on market
569 Camelia Street
Atlantic Beach, FL 32233
About this home
Atlantic Beach
Welcome to Atlantic Beach living at an attainable price. This fully renovated 3-bedroom, 2-bath home sits on a quiet street minutes from the ocean, Tides View Preserve, Dutton Island, and the shops and restaurants of Atlantic Blvd. Inside, the open floor plan flows from a completely updated kitchen with light granite countertops, sea glass subway tile backsplash, and white cabinetry to a bright living area centered on a wood-burning fireplace. Hard flooring runs throughout the entire home. No carpet anywhere. Both bathrooms have been fully reimagined with marble tile floors, new tubs, new vanities, new lighting fixtures, and all-new plumbing. Fresh Sherwin-Williams Creamy paint inside and out gives the home a warm, polished coastal feel that shows beautifully. Every major system has been updated. New roof 2022. HVAC 2017. Water heater 2020. Kitchen and both bathrooms remodeled 2025 and 2026. Step into the enclosed Florida room overlooking a fully fenced, tree-shaded backyard with
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $236,851 | $210,470 | — |
| 2024 | $225,960 | $191,337 | — |
| 2023 | $216,896 | $173,943 | — |
| 2022 | $184,354 | $158,130 | — |
| 2021 | $143,755 | $143,755 | — |
| 2020 | $140,167 | $140,167 | — |
2025 property taxes (current owner): $3,788/yr
Estimated taxes if purchased at asking price: ~$7,000/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.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 — 2022 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,776 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 homeAs of July 2026, this 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.
History
Price & status history
- Jul 1, 2026Listed$359,000
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: JOHN WOLFEL REAL ESTATE LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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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.
Text 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