This home is in Atlantic Beach — a waterfront home in Jacksonville.
Sold·Closed Jun 5, 2026·1 day on market·Recent sales in Atlantic Beach
522 Selva Lakes Circle
Atlantic Beach, FL 32233
About this home
Atlantic Beach
Welcome to this 3-bedroom, 2.5-bath townhouse in the highly desirable Selva Lakes community! Backing up to a peaceful pond, this home offers a relaxing outdoor setting with a private patio--perfect for enjoying the water view and coastal breeze. Inside, you'll find a functional and inviting layout with all three bedrooms located upstairs. The spacious primary suite is a true retreat, featuring calming pond views and plenty of room to relax. The additional bedrooms are well-sized and ideal for family, guests, or a home office. Roof replaced in 2017, HVAC - 2019, and Water Heater - 2021. Enjoy the best of coastal living with this prime location--just minutes from Jack Russell Park, the vibrant Atlantic Beach Town Center, and, of course, the beautiful beaches.
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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — 2017 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,812 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 homeThis 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 | $497,220 | $477,122 | — |
| 2024 | $470,802 | $433,748 | — |
| 2023 | $437,857 | $394,317 | — |
| 2022 | $402,466 | $358,470 | — |
| 2021 | $325,882 | $325,882 | — |
| 2020 | $304,602 | $304,602 | — |
2025 property taxes (current owner): $8,334/yr
Estimated taxes if purchased at asking price: ~$11,700/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.
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 $316/sq ft; this home is listed at $363/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 444 Osprey Key, Atlantic Beach, FL 32233Listed by ROUND TABLE REALTY | Jun 2026 | $725,000 | $390 | 3/3.5 | 1,858 | 2 | 0.1 |
| 696 Aquatic Drive, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $392,000 | $295 | 3/2 | 1,328 | 5 | 0.5 |
| 570 Aquatic Drive, Atlantic Beach, FL 32233Listed by BACHMANN HOMES REALTY, LLC | May 2026 | $455,000 | $316 | 3/2 | 1,440 | 1 | 0.5 |
| 314 8th Street A, Atlantic Beach, FL 32233Listed by REAL BROKER LLC | Jan 2026 | $640,000 | $427 | 2/2.5 | 1,500 | 233 | 0.5 |
| 901 Ocean Boulevard 72, Atlantic Beach, FL 32233Listed by THE PROPERTY MANAGER | Sep 2026 | $285,000 | $244 | 2/2 | 1,168 | 107 | 0.6 |
| 639 Aquatic Drive, Atlantic Beach, FL 32233Listed by MOMENTUM REALTY | Aug 2026 | $390,000 | $294 | 3/2 | 1,328 | 13 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLUID 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
This home sold on Jun 5, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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