This home is in Atlantic Beach — a home near Duncan U. Fletcher High School.
Active·131 days on market
582 Aquatic Drive
Atlantic Beach, FL 32233
About this home
Atlantic Beach
OPEN HOUSE Saturday 8/22 11am-2pm! Affordable Beach Living is BACK--and there's even more value! This beautifully maintained 2-bedroom, 1-bath single-family patio home is truly move-in ready and offers comfort, efficiency, and exceptional outdoor space. No HOA fees. No CDD fees. Plus, the Seller is offering to contribute $5,000 toward the Buyer's closing costs!The open floor plan features thoughtful upgrades, including porcelain tile in the kitchen and bath, a brand-new roof, and double-pane Low-E windows for improved energy efficiency and reduced outside noise. The updated bathroom features a new tub, tile, and modern fixtures. The spacious kitchen offers abundant cabinetry, pantry storage, new countertops, and upgraded appliances, opening to a cozy family room with French doors leading to a 400-square-foot air-conditioned Florida room--perfect for relaxing or entertaining year-round. Step outside to enjoy an 18-foot circular patio and expansive ¼-acre fenced backyard
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, 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).
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: ~$7,800/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 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.
History
Price & status history
- Aug 16, 2026Price change$399,000−$5,000
- Aug 11, 2026Price change$404,000−$5,000
- Jul 22, 2026Active$409,000
- 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).
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Your Local Realtor
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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines