Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Atlantic Beach — a pool home in Jacksonville.

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Pending

Pending·98 days on market

370 8th Street

Atlantic Beach, FL 32233

$2,425,000$750/sqftEst. $12,467/moMLS# 2146707

Beds

Baths

3,233

Sq Ft

2021

Built

Garage

Yes

Pool

About this home

Atlantic Beach

Experience coastal living at its finest in this stunning, newer construction pool (heated & cooled) home, perfectly located in the heart of Old Atlantic Beach. Short walk to the ocean, town Center, parks, restaurants, this home offers the ultimate beach lifestyle w/ modern luxury & convenience. This beautifully designed 2-story home w/an open floor plan, spacious living areas throughout the first floor, ideal for entertaining & everyday living. Chefs' kitchen is the centerpiece of the home, complete with massive island, high end finishes, abundant cabinetry, and a large butler's pantry. Enjoy gatherings in the charming dining room that flows seamlessly into the expansive great room filled with natural light and views of the outdoor living space, large covered lanai summer kitchen, & private pool. Upstairs features 2nd family rm, spacious primary w/gorgeous bath w/ walk- in shower & soaking tub. 3 other br & ba w/cathedral ceilings. Garage w/built-in storage & epoxy floors.

Cost to own

Mortgage calculator

Home Price

$2,425,000

Down Payment: 20%

$485,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$12,467

Principal & Interest: $12,467

Property taxes (est.): $3,960

Insurance (est.): $1,617

Estimated Total Monthly

$18,043

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$12,467

Property taxesest. at asking price, Duval County$3,960

Estimated total, before insurance$16,427/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$26,470/yr · $2,206/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $1,825,000 in January 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$2,246,412	$1,529,445	—
2024	$2,018,157	$1,457,589	▼ $163
2023	$1,463,679	$1,413,679	—
2022	$1,342,547	$1,342,547	—
2021	$500,000	$500,000	—
2020	$500,030	$484,037	—

2025 property taxes (current owner): $26,470/yr

Estimated taxes if purchased at asking price: ~$47,500/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: Metal, Shingle — year not disclosed (home built 2021)

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: ~1,684 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

Price & status history

Aug 21, 2026Pending$2,425,000
Aug 8, 2026Active Under Contract$2,425,000
May 22, 2026Listed$2,425,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$2,425,000

Price / Sq Ft$750

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,233

Acres0.15 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Community Information

Address370 8th Street, Atlantic Beach, FL 32233

Area232-Atlantic Beach-South

SubdivisionAtlantic Beach

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size6,534 sq ft

Parcel Number1699410010

Amenities

UtilitiesCable Available, Electricity Available, Water Available, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Wine Cooler

HeatingCentral, Electric, Zoned

CoolingCentral Air, Electric, Zoned

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup