This home is in Atlantic Beach — a home near Duncan U. Fletcher High School.
Active Under Contract·177 days on market
582 Aquatic Drive
Atlantic Beach, FL 32233
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About this home
Atlantic Beach
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
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 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:27 AM, sunset 6:56 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
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: ~$7,700/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
- Sep 27, 2026Active Under Contract$395,000
- Sep 12, 2026Price change$395,000−$4,000
- 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.
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 $294/sq ft; this home is listed at $281/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 570 Aquatic Drive, Atlantic Beach, FL 32233Listed by BACHMANN HOMES REALTY, LLC | May 2026 | $455,000 | $316 | 3/2 | 1,440 | 1 | 0 |
| 696 Aquatic Drive, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $392,000 | $295 | 3/2 | 1,328 | 5 | 0.1 |
| 639 Aquatic Drive, Atlantic Beach, FL 32233Listed by MOMENTUM REALTY | Aug 2026 | $390,000 | $294 | 3/2 | 1,328 | 13 | 0.2 |
| 1114 Scheidel Court, Atlantic Beach, FL 32233Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $230,100 | $177 | 3/2 | 1,300 | 211 | 0.3 |
| 836 Cavalla Road, Atlantic Beach, FL 32233Listed by RIVER CITY REALTY | Jun 2026 | $291,000 | $258 | 2/1.5 | 1,128 | 141 | 0.3 |
| 750 Cavalla Road, Atlantic Beach, FL 32233Listed by HASSLE-FREE REALTY LLC | Aug 2026 | $285,000 | $270 | 2/1.5 | 1,056 | 54 | 0.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP REALTY LLC
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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines