This home is in Atlantic Beach — a pool home in Jacksonville.
Sold·Closed Aug 27, 2026·79 days on market·Recent sales in Atlantic Beach
397 Plaza
Atlantic Beach, FL 32233
About this home
Atlantic Beach
*Seller financing is available* Enjoy elevated coastal living and take advantage of flexible, customizable seller financing options with phenomenal rates and terms when you purchase this brand new 2026 move in ready custom pool home in the heart of Atlantic Beach. This stunning residence offers the ultimate lifestyle, ideally situated within walking distance to the ocean, local parks, Atlantic Beach Elementary, tennis and pickleball courts and the vibrant shops and dining of the Beaches Town Center. This 4-bedroom, 4-bathroom home showcases wide-plank 8'' white oak hardwood flooring, shiplap-accented hallways, and bespoke cabinetry throughout. The exterior makes a striking impression with Nichiha Sierra Premium Shake siding, delivering rich texture and timeless coastal appeal. Expansive 12' PGT sliding glass doors create a seamless indoor-outdoor connection, opening to a private covered lanai
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.
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 — 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: ~1,659 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $600,019 | $572,018 | — |
| 2024 | $520,017 | $520,017 | — |
| 2023 | $500,015 | $484,012 | — |
| 2022 | $488,013 | $440,011 | — |
| 2021 | $400,010 | $400,010 | — |
| 2020 | $400,010 | $387,213 | — |
Estimated taxes if purchased at asking price: ~$40,900/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
- Aug 27, 2026Closed$2,250,000
- Apr 16, 2026Listed$2,250,000
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 $733/sq ft; this home is listed at $748/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 740 Sherry Drive, Atlantic Beach, FL 32233Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Oct 2026 | $2,800,000 | $831 | 4/4.5 | 3,369 | 157 | 0.1 |
| 370 8th Street, Atlantic Beach, FL 32233Listed by WATSON REALTY CORP | Sep 2026 | $2,370,000 | $733 | 4/3.5 | 3,233 | 78 | 0.1 |
| 398 Sherry Drive, Atlantic Beach, FL 32233Listed by WATSON REALTY CORP | Aug 2026 | $1,749,000 | $663 | 4/4 | 2,637 | 75 | 0.3 |
| 1515 Selva Marina Drive, Atlantic Beach, FL 32233Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $1,900,000 | $634 | 5/3 | 2,999 | 30 | 0.3 |
| 57 Sherry Drive, Atlantic Beach, FL 32233Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $1,380,000 | $640 | 3/2.5 | 2,155 | 22 | 0.6 |
| 120 Beach Avenue, Atlantic Beach, FL 32233Listed by WATSON REALTY CORP | Aug 2026 | $2,000,000 | $801 | 5/3 | 2,496 | 64 | 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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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.
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Krista Fracke
Broker Associate
This home sold on Aug 27, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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