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 CC, Atlantic Beach — a home near Duncan U. Fletcher High School.

1 / 61

Pending

Pending·68 days on market·Atlantic Beach CC

1733 Atlantic Beach Drive

Atlantic Beach, FL 32233

$1,650,000$711/sqftEst. $8,509/moMLS# 2148710

Beds

Baths

2,322

Sq Ft

2016

Built

Garage

Pool

About this home

Atlantic Beach CC

Move right into this beautifully updated single-level beach cottage in coveted Atlantic Beach Country Club, where every day feels like a vacation. Best of all, there's no club membership waitlist! Enjoy immediate social membership with dining, cocktails by the pool, and the option to upgrade to tennis and golf within 30 days. Thoughtfully refreshed inside and out, this charming home features fresh paint, designer lighting, wide-plank hardwood floors, and expansive windows that fill the home with natural light. The screened lanai overlooks a private backyard framed by majestic live oaks and hydrangeas, with peaceful fairway views and your own natural preserve. Enjoy effortless one-level living just minutes from the beach, Atlantic Beach Town Center, world-class dining and shopping, Mayo Clinic, and other premier healthcare, all in one of Northeast Florida's most sought-after communities.

Cost to own

Mortgage calculator

Home Price

$1,650,000

Down Payment: 20%

$330,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$8,509

Principal & Interest: $8,509

Property taxes (est.): $2,694

Insurance (est.): $1,100

Estimated Total Monthly

$12,303

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$8,509

Property taxesest. at asking price, Duval County$2,694

HOAbilled annually$90

Estimated total, before insurance$11,293/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,636/yr · $1,053/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

Year	Market value	Taxable value	Change
2025	$1,418,807	$725,133	—
2024	$1,378,709	$703,990	▼ $151
2023	$1,065,619	$682,030	—
2022	$982,642	$660,709	—
2021	$806,005	$640,009	—
2020	$710,969	$630,483	—

2025 property taxes (current owner): $12,636/yr

Estimated taxes if purchased at asking price: ~$32,300/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 2016)

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

Solar potential: ~1,775 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 4, 2026Pending$1,650,000
Jul 28, 2026Active Under Contract$1,650,000
Jun 4, 2026Listed$1,650,000

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

Features

Price$1,650,000

Price / Sq Ft$711

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,322

Acres0.17 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryAtlantic Beach

MiddleMayport

HighDuncan Fletcher

Community Information

Address1733 Atlantic Beach Drive, Atlantic Beach, FL 32233

Area231-Atlantic Beach-North

SubdivisionAtlantic Beach Cc

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size7,405.2 sq ft

Parcel Number1695051445

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Golf Course, Maintenance Grounds, Management - Off Site, Pickleball, Tennis Court(s), Water

UtilitiesCable Available, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyInsulation

ParkingAdditional Parking, Garage, Garage Door Opener, Guest

ViewGolf Course

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Gas Cooktop, Gas Oven, Gas Water Heater, Ice Maker, Microwave, Tankless Water Heater

HeatingCentral, Natural Gas

CoolingCentral Air

FlooringWood

FireplaceYes

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Sink, Washer Hookup

SecurityCarbon Monoxide Detector(s), Fire Alarm, Smoke Detector(s)