This home is in Atlantic Beach — a pool home in Jacksonville.
Active·179 days on market
2428 Seminole Road
Atlantic Beach, FL 32233
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Atlantic Beach
Back on Market, No fault of Seller!!! Rare opportunity in Atlantic Beach offering 2 acres in a highly desirable location with the ability to subdivide into a minimum of two 1-acre homesites for single family homes (city letter on file). This property is all about flexibility and value--build a private coastal estate, develop two homesites, or renovate the existing 3-bedroom, 2.5-bath pool home. Just minutes to the ocean, local shops, and dining, and surrounded by established homes, this is a unique chance to secure a large parcel in one of Northeast Florida's most sought-after beach communities. Property is being sold as-is and priced below appraised value. Caution: Driveway and decking may present a tripping hazard. Please use care when accessing the property and watch your footing. Seller will credit $20,000 towards demolition of home, driveway and pool with acceptable offer.
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 (that applies to the reference bill above too).
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 1978)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,779 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 | $3,530,150 | $687,095 | — |
| 2024 | $3,052,100 | $667,024 | ▼ $818 |
| 2023 | $2,096,834 | $646,140 | — |
| 2022 | $1,417,456 | $625,865 | — |
| 2021 | $1,241,525 | $606,180 | — |
| 2020 | $1,217,264 | $597,121 | — |
2025 property taxes (current owner): $11,981/yr
Estimated taxes if purchased at asking price: ~$64,600/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
- Oct 7, 2026Price change$3,299,000−$51,000
- Oct 5, 2026Active$3,350,000
- Jul 10, 2026Active Under Contract$3,350,000
- Apr 17, 2026Listed$3,350,000
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 $550/sq ft; this home is listed at $1,469/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2334 Beachcomber Trail, Atlantic Beach, FL 32233Listed by COMPASS FLORIDA LLC | Jun 2026 | $1,100,000 | $478 | 3/2 | 2,300 | 1 | 0.1 |
| 2028 Selva Madera Court, Atlantic Beach, FL 32233Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $1,075,000 | $443 | 3/2.5 | 2,427 | 13 | 0.4 |
| 2009 Vela Norte Circle, Atlantic Beach, FL 32233Listed by COMPASS FLORIDA LLC | Oct 2026 | $1,575,000 | $554 | 4/3.5 | 2,844 | 2 | 0.5 |
| 2081 Vela Norte Circle, Atlantic Beach, FL 32233Listed by KST GROUP LLC | Oct 2026 | $910,000 | $354 | 3/2.5 | 2,570 | 16 | 0.5 |
| 355 19th Street, Atlantic Beach, FL 32233Listed by COMPASS FLORIDA LLC | Aug 2026 | $1,035,000 | $560 | 3/2 | 1,849 | 85 | 0.6 |
| 1918 Oak Circle, Atlantic Beach, FL 32233Listed by NETWORTH REALTY OF JACKSONVILLE, LLC | Jun 2026 | $1,350,000 | $550 | 3/2 | 2,454 | 83 | 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: RE/MAX UNLIMITED
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines