This home is in Atlantic Beach.

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Active Under Contract

Active Under Contract·89 days on market

2428 Seminole Road

Atlantic Beach, FL 32233

$3,350,000$1492/sqftEst. $17,830/moMLS# 2140483

Beds

Baths

2,245

Sq Ft

1978

Built

—

Garage

Yes

Pool

About this home

Atlantic Beach

ACCEPTING BACK-UP OFFERS!!! 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 (city letter on file) and perhaps more lots. 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.

Cost to own

Mortgage calculator

Home Price

$3,350,000

Down Payment: 20%

$670,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$16,922

Principal & Interest: $16,922

Est. Taxes & Insurance: $4,230

Estimated Total Monthly

$21,152

*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$17,830

Property taxesest. at asking price, Duval County$5,470

Estimated total, before insurance$23,300/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	$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: ~$65,600/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.

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 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