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This home is in Atlantic Beach.

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Active

Active·94 days on market

174 13th Street

Atlantic Beach, FL 32233

$1,575,000Est. $8,089/moMLS# 2146059

Beds

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Garage

Pool

About this home

Atlantic Beach

Rare Opportunity in Old Atlantic Beach! Build Your Dream Home just steps away from the Sand and Atlantic Ocean, on this cleared and Ready - To - Build Corner Lot, in one of the most sought - after locations in Old Atlantic Beach. The property includes exclusive, private beach access. Seller has custom plans designed specifically for this lot and is willing to share them with Buyer. Enjoy the close proximity to Atlantic Beach Town Center, the AB Country Club, Parks, and Top Rated Schools all just a short walk, bike ride, or golf cart ride away. Don't miss this exceptional opportunity to own in a Premier Coastal Neighborhood.

Cost to own

Mortgage calculator

Home Price

$1,575,000

Down Payment: 20%

$315,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$8,089

Principal & Interest: $8,089

Property taxes (est.): $2,572

Insurance (est.): $1,050

Estimated Total Monthly

$11,711

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.65% · 30yr$8,089

Property taxesest. at asking price, Duval County$2,572

Estimated total, before insurance$10,660/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, 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.

Cost to own

Taxes & assessment

Last sold: $1,000,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,089,738	$975,695	—
2024	$886,996	$886,996	▼ $104,353
2023	$655,930	$655,930	—
2022	$655,930	$655,930	—
2021	$595,195	$595,195	—
2020	$592,687	$592,687	—

Estimated taxes if purchased at asking price: ~$30,900/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely sewer · Public water (record)

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: ~1,706 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

As 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