This home is in Atlantic Beach — a home near Duncan U. Fletcher High School.
Active·113 days on market
569 Camelia Street
Atlantic Beach, FL 32233
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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
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.
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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Atlantic Blvdabout 2 mi · 50 parking spaces
Closest park or preserve
Dutton Island Preserveabout 0.8 mi · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 2 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Tide Views Preserve Canoe Landing (Long Portage!)about 0.4 mi · Pablo Creek
Closest youth league fields
Donner Park & Gail Baker Community Centerabout 0.8 mi · Football, Soccer
Closest grocery store
Aldiabout 0.8 mi · 1209 Atlantic Boulevard, Neptune Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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.
History
Price & status history
- Jul 1, 2026Listed$359,000
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 $315/sq ft; this home is listed at $314/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 410 Main Street, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $371,500 | $332 | 3/2 | 1,119 | 4 | 0 |
| 1065 Hibiscus Street, Atlantic Beach, FL 32233Listed by FLUID REALTY, LLC. | Oct 2026 | $360,000 | $315 | 3/2 | 1,144 | 1 | 0.3 |
| 1145 Stocks Street, Atlantic Beach, FL 32233Listed by WHOLESALE REALTY LLC | Sep 2026 | $415,000 | $379 | 3/2 | 1,096 | 13 | 0.3 |
| 1455 Begonia Street, Atlantic Beach, FL 32233Listed by 1 REALTY CORP | Sep 2026 | $242,000 | $230 | 2/1 | 1,050 | 32 | 0.5 |
| 43 Forrestal Circle N, Atlantic Beach, FL 32233Listed by SELLSTATE JAX REALTY | Aug 2026 | $350,000 | $258 | 2/1.5 | 1,355 | 123 | 0.5 |
| 310 Skate Road, Atlantic Beach, FL 32233Listed by NON MLS (realMLS) | Aug 2026 | $375,000 | $261 | 3/1.5 | 1,436 | 3 | 0.6 |
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: JOHN WOLFEL REAL ESTATE LLC
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 Atlantic Bch Sec H
For RentLease
798 Main StreetAtlantic Beach, FL 32233
2 bd · 1.5 ba · 1,152 sq ft
$2,550/mo**AVAILABLE FOR MOVE-IN NOW! Lawn Maintenance Included! Welcome home to this stunning luxury beach rental, ideally…
Listing Office: keller williams st johns
For RentLease
511 Camelia StreetAtlantic Beach, FL 32233
3 bd · 2 ba · 1,144 sq ft
$2,500/mo3Bedroom 2bath home tucked away near the intracoastal waterway within biking distance from restuarant's, shopping,…
Listing Office: localized real estate, inc.
Keep looking
Similar homes in Atlantic Beach
Explore the area
More in Atlantic Beach
Atlantic Beach guides & reports
Your Local Realtor
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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines