This home is in Atlantic Beach.

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Active Under Contract

Active Under Contract·90 days on market

397 Plaza

Atlantic Beach, FL 32233

$2,250,000$748/sqftEst. $11,975/moMLS# 2140249

Beds

Baths

3,010

Sq Ft

2026

Built

Garage

Yes

Pool

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

Cost to own

Mortgage calculator

Home Price

$2,250,000

Down Payment: 20%

$450,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$11,365

Principal & Interest: $11,365

Est. Taxes & Insurance: $2,841

Estimated Total Monthly

$14,207

*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$11,975

Property taxesest. at asking price, Duval County$3,674

Estimated total, before insurance$15,649/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	$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: ~$44,100/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 — 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 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.

History

Price & status history

Apr 16, 2026Listed$2,250,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$2,250,000

Price / Sq Ft$748

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,010

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Traditional

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced, Salt Water

Is WaterfrontNo

New ConstructionYes

Community Information

Address397 Plaza, Atlantic Beach, FL 32233

Area231-Atlantic Beach-North

SubdivisionAtlanta Beach

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Dimensions50x130

Parcel Number1700260000

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Induction Cooktop, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringWood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2