This home is in Atlantic Beach.

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Active Under Contract

Active Under Contract·94 days on market

398 Sherry Drive

Atlantic Beach, FL 32233

$1,799,000$682/sqftEst. $9,144/moMLS# 2140278

Beds

Baths

2,637

Sq Ft

2017

Built

Garage

Pool

About this home

Atlantic Beach

Step into timeless coastal charm with this immaculate home nestled in the heart of Old Atlantic Beach. Meticulously maintained and move in ready, this property offers a thoughtfully designed floor plan that seamlessly blends comfort and functionality, with beautiful wood floors, plantation shutters throughout. First floor features open floor plan with chefs kitchen with large island, quartz counter tops, ss appls, gas cooktop, and white cabinets. Dining area and great room with 8' sliding doors to unbelievable back yard. 1st floor also features lovely primary with French doors to hot tub and huge walk in with custom built ins and lux bath with large shower and soaking tub, office/possible 5th bedroom, 2nd bath and fun wine bar/nook. Upstairs there is a 2nd family room, 3 additional, spacious bedrooms, 2 baths, 1 is ensuite and extra-large. Lovely evening deck as well. Ample closets and storage. The oversized lot allows for a beautiful , fully fenced back and side yard --see more

Cost to own

Mortgage calculator

Home Price

$1,799,000

Down Payment: 20%

$359,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$9,144

Principal & Interest: $9,144

Est. Taxes & Insurance: $2,286

Estimated Total Monthly

$11,430

*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$9,144

Property taxesest. at asking price, Duval County$2,937

Estimated total, before insurance$12,082/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	$957,462	$656,780	—
2024	$912,630	$637,563	—
2023	$893,927	$617,537	—
2022	$817,897	$598,095	—
2021	$734,143	$579,219	—
2020	$698,963	$570,532	—

2025 property taxes (current owner): $11,460/yr

Estimated taxes if purchased at asking price: ~$35,200/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 2017)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As 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.

History

Price & status history

Apr 16, 2026Listed$1,799,000

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

Features

Price$1,799,000

Price / Sq Ft$682

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,637

Acres0.12 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address398 Sherry Drive, Atlantic Beach, FL 32233

Area232-Atlantic Beach-South

SubdivisionSaltair

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size5,227.2 sq ft

Parcel Number1704830000

Amenities

UtilitiesElectricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

Spa FeaturesHeated, Above Ground