This home is in Atlantic Beach.
Active Under Contract·86 days on market
582 Aquatic Drive
Atlantic Beach, FL 32233
About this home
Atlantic Beach
Affordable beach living is BACK! This beautifully maintained 2-bedroom, 1-bath single family home is truly move-in ready and offers comfort, efficiency, & exceptional outdoor space. The open floor plan features thoughtful upgrades, including porcelain tile in the kitchen and bath, brand new roof, double-pane Low-E windows that enhance energy efficiency and reduce noise. The updated bathroom showcases a new tub, tile, and modern fixtures. The spacious kitchen offers abundant cabinetry, a pantry, new countertops, and upgraded appliances, all overlooking a cozy family room with French doors that lead to a 400 sq ft air-conditioned Florida room--perfect for relaxing or entertaining year-round. Step outside to enjoy the 18' circular patio and expansive ¼-acre fenced backyard, offering endless possibilities--add a pool, create a pickleball court, or park your boat or RV with ease.
Cost to own
Mortgage calculator
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, 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 | $399,719 | $267,128 | — |
| 2024 | $403,146 | $258,893 | ▼ $1,757 |
| 2023 | $361,802 | $249,897 | — |
| 2022 | $293,497 | $241,163 | — |
| 2021 | $179,642 | $41,927 | — |
| 2020 | $176,559 | $40,658 | — |
2025 property taxes (current owner): $4,758/yr
Estimated taxes if purchased at asking price: ~$8,000/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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 1985)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer
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: ~1,655 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 homeInformational 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 20, 2026Listed$409,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Expert
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.
Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
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