This home is in Atlantic Beach — a home near Duncan U. Fletcher High School.
Active Under Contract·45 days on market
2003 Seminole Road 2003
Atlantic Beach, FL 32233
About this home
Atlantic Beach
JUST STEPS FROM THE OCEAN in Atlantic Beach proper! Located in Seminole Dunes. Feels like 3 unique levels of coastal living with a garage, multiple outdoor living spaces with the relaxing sound of the ocean right from your balcony. Recent improvements include: • ROOF 2024 • HVAC 2025 • WATER HEATER 2024 • NEW RANGE & DISHWASHER Refreshed kitchen cabinetry • CLOSET BY DESIGN - MBR Bonus use of the First floor = endless flexibility. The PRIVATE ENTRY to bedroom and bath setup easily works as mother-in-law space, home office or potential rental income opportunity. Additional features include: • Fireplace • Custom Blinds • Hurricane Shutters • Tile and wood floors, No carpet • Washer/Dryer • Chest Freezer in garage stays • Screened porch • Private primary suite balcony • Outdoor shower • Attached garage • Generous storage Enjoy the easy to maintain, lock and leave...beachside condo lifestyle.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $440,000 | $230,546 | — |
| 2024 | $428,000 | $223,342 | — |
| 2023 | $424,000 | $215,381 | — |
| 2022 | $355,000 | $207,652 | — |
| 2021 | $306,000 | $200,148 | — |
| 2020 | $306,000 | $196,695 | — |
2025 property taxes (current owner): $4,129/yr
Estimated taxes if purchased at asking price: ~$12,700/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.
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: Shingle — 2024 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,738 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.
History
Price & status history
- Jul 16, 2026Active Under Contract$650,000
- Jul 10, 2026Price change$650,000−$9,900
- Jun 15, 2026Listed$659,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PONTE VEDRA PALM VALLEY REAL ESTATE COMPANY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines