This home is in Atlantic Beach.

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Pending

Pending·81 days on market

120 Beach Avenue

Atlantic Beach, FL 32233

$2,500,000$1002/sqftEst. $13,306/moMLS# 2139409

Beds

Baths

2,496

Sq Ft

1922

Built

Garage

Pool

About this home

Atlantic Beach

THE HOME for ATLANTIC BEACH Life! Much sought after Atlantic Beach & Beaches Town Center area. Steps to Beach, Ocean & walkability 100%. Options many with lot extending from Ocean Blvd. to Beach Ave.: renovate or bring your builder to create your special design with approval of COAB Building Dept..(Lot is 58' Front, 123' Depth). Short commute to area medical facilities - Beaches Baptist & Mayo Clinic; A1A to St. Augustine; JIA; Downtown JAX; Jaguars Stadium. The popular destination for residents & tourists....''Beaches Town Center'' located in the center of the Atlantic Beach & Neptune Beach Center. A+ residential areas, restaurants, shopping, beach hotels + boutique hotels walking distance, best of beach activities, monthly Beaches Art Walk + +. Property is unique offering multigenerational living at the beach! Visit one of AB's ''Historial Homes'' with many changes/updates throughout original building created 1922. Location is in the center of the start of AB ''city by the sea''!

Cost to own

Mortgage calculator

Home Price

$2,500,000

Down Payment: 20%

$500,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$12,628

Principal & Interest: $12,628

Est. Taxes & Insurance: $3,157

Estimated Total Monthly

$15,785

*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$13,306

Property taxesest. at asking price, Duval County$4,082

Estimated total, before insurance$17,388/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

Last sold: $1,600,000 in July 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,681,681	$1,573,535	—
2024	$1,438,585	$1,430,487	▲ $141,645
2023	$1,300,443	$1,300,443	—
2022	$1,248,273	$1,248,273	▼ $938,400
2021	$1,313,538	$280,095	—
2020	$1,303,655	$274,163	—

2025 property taxes (current owner): $27,751/yr

Estimated taxes if purchased at asking price: ~$49,000/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.

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 1922)

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

Solar potential: ~1,690 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 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.

Features

Price$2,500,000

Price / Sq Ft$1,002

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,496

Total Structure Area2,914 sq ft

Acres0.17 acres

Year Built1922

TypeResidential

Sub-TypeSingle Family Residence

StyleHistoric, Multi Generational, Traditional

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryAtlantic Beach

MiddleFletcher Jr High

HighDuncan Fletcher

Community Information

Address120 Beach Avenue, Atlantic Beach, FL 32233

Area232-Atlantic Beach-South

SubdivisionAtlantic Beach

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size7,405.2 sq ft

Lot Dimensions58’ Front X 123’ Depth

Parcel Number1702060000

ZoningPUD

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, HVAC, Lighting, Water Heater

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Guest, Off Street, Shared Driveway

ViewBeach, Ocean, Other

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, In-Law Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Freezer, Microwave, Plumbed For Ice Maker, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump, Separate Meters

CoolingCentral Air, Electric, Separate Meters, Split System

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Garage, In Unit, Lower Level

SecuritySmoke Detector(s)