This home is in Atlantic Beach.

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Pending

Pending·104 days on market

141 Poinsettia Street

Atlantic Beach, FL 32233

$499,000$400/sqftEst. $2,536/moMLS# 2138765

Beds

Baths

1,248

Sq Ft

1981

Built

—

Garage

Pool

About this home

Atlantic Beach

Welcome to the heart of Atlantic Beach! This cozy two-bedroom townhouse is located in the highly desirable Atlantic Beach area, just a short walk to the ocean and the vibrant Beaches Town Center. Enjoy easy access to top restaurants, boutiques, and hotels, all from a quiet residential setting. The first floor features a spacious living room with wood flooring and a wood-burning fireplace, opening to the kitchen through a convenient breakfast bar. The kitchen offers abundant cabinet space, granite countertops, and stainless steel appliances. A separate dining room leads to a private patio and fenced tropical garden, perfect for relaxing or entertaining. Upstairs, you'll find two generously sized bedrooms and a full main bathroom. Whether you're looking for a primary residence, a weekend beach retreat, or a smart investment property, this townhouse offers the ideal blend of comfort, location, and coastal charm.

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,536

Principal & Interest: $2,536

Est. Taxes & Insurance: $634

Estimated Total Monthly

$3,170

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,536

Property taxesest. at asking price, Duval County$815

Estimated total, before insurance$3,351/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	$385,410	$352,942	—
2024	$348,367	$320,857	—
2023	$343,646	$291,689	—
2022	$291,549	$265,172	—
2021	$244,921	$241,066	—
2020	$230,732	$219,151	—

2025 property taxes (current owner): $6,277/yr

Estimated taxes if purchased at asking price: ~$9,800/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.

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 1981)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,206 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

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.