This home is in Royal Palms, Atlantic Beach.

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Active

Active·54 days on market·Royal Palms

451 Sargo Road

Atlantic Beach, FL 32233

$625,000$465/sqftEst. $3,327/moMLS# 2146596

Beds

Baths

1,344

Sq Ft

1972

Built

—

Garage

Pool

About this home

Royal Palms

With summer here, you'll have time to enjoy the Atlantic Beach lifestyle as soon as you call this move-in-ready home yours! Moments from the ocean, this beautifully renovated home captures the essence of relaxed coastal living. From morning bike rides to the beach and strolls to the weekly Farmers Market, to evenings spent dining at nearby local favorites, this location places you in the center of one of Northeast Florida's most sought-after beach communities. Inside, the home blends warmth, style, and functionality with an open-concept design featuring three spacious bedrooms, two updated bathrooms, and a flexible bonus space ready to fit your lifestyle -- whether as a home office, playroom, wellness room, media lounge, or creative art studio. Natural light fills the living spaces, while the updated kitchen serves as the heart of the home, designed for both casual mornings and effortless entertaining.

Cost to own

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,157

Principal & Interest: $3,157

Est. Taxes & Insurance: $789

Estimated Total Monthly

$3,946

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,327

Property taxesest. at asking price, Duval County$1,021

Estimated total, before insurance$4,347/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, 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	$482,258	$461,942	—
2025	$439,396	$222,368	—
2024	$512,924	$419,947	—
2024	$423,939	$215,394	—
2023	$532,534	$381,770	—
2023	$352,584	$207,665	—
2022	$472,659	$347,064	—
2022	$243,308	$180,731	—
2021	$331,637	$315,513	—
2021	$224,011	$174,011	—
2020	$286,830	$286,830	—
2020	$216,517	$166,517	—

2025 property taxes (current owner): $3,988/yr

Estimated taxes if purchased at asking price: ~$12,200/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 1972)

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: ~1,410 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational 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