This home is in The Cloister, Atlantic Beach — an oceanfront home in Northeast Florida.
Sold·Closed Jul 15, 2026·3 days on market·Recent sales in The Cloister·The Cloister
10 10th Street 9B
Atlantic Beach, FL 32233
2 more homes for sale in The Cloister →Search The Cloister on the map
About this home
The Cloister
Welcome to The Cloister, one of Atlantic Beach's most sought-after oceanfront communities, where opportunities like this rarely come available. This top-floor penthouse condo offers unobstructed ocean views with no palm trees blocking your sightline, higher ceilings exclusive to the third floor, and the peace of having no neighbors above. Featuring three bedrooms and an open, updated floor plan, this home is move-in ready while still offering the opportunity to make it your own. It lives more like an oceanfront home than a condo, with easy access to the beach and community grounds. The Cloister is home to Atlantic Beach's only private oceanfront pier, currently being rebuilt, along with a community pool just steps from the sand. Located in a gated community just 10 blocks from Beaches Town Center, you'll enjoy easy access to restaurants, coffee shops, live music, Pete's Bar, and Mezza Luna. A detached garage is included. Live on vacation every day in the heart of Atlantic Beach.
Next steps in The Cloister
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Membrane, Tile — year not disclosed (home built 1975)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer · FL0038776 - City of Atlantic Beach · Public water (record)
County records indicate this parcel on central sewer served by FL0038776 - City of Atlantic Beach — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,721 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $923,500 | $824,288 | — |
| 2024 | $940,000 | $749,353 | — |
| 2023 | $940,000 | $681,230 | — |
| 2022 | $699,500 | $619,300 | — |
| 2021 | $563,000 | $563,000 | — |
| 2020 | $563,000 | $563,000 | ▲ $42,000 |
2025 property taxes (current owner): $14,807/yr
Estimated taxes if purchased at asking price: ~$26,500/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.
History
Price & status history
- Jul 15, 2026Closed$1,499,000
- Jun 12, 2026Listed$1,499,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $427/sq ft; this home is listed at $906/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 901 Ocean Boulevard 72, Atlantic Beach, FL 32233Listed by THE PROPERTY MANAGER | Sep 2026 | $285,000 | $244 | 2/2 | 1,168 | 107 | 0.1 |
| 901 Ocean Boulevard 25, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $240,000 | $205 | 2/2 | 1,168 | 103 | 0.1 |
| 901 Ocean Boulevard 87, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $260,000 | $223 | 2/2 | 1,168 | 3 | 0.1 |
| 701 Beach Avenue 201, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $1,485,000 | $873 | 2/2 | 1,701 | 24 | 0.2 |
| 701 Beach Avenue 301, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Mar 2026 | $1,720,000 | $1,011 | 2/2 | 1,701 | 19 | 0.2 |
| 314 8th Street A, Atlantic Beach, FL 32233Listed by REAL BROKER LLC | Jan 2026 | $640,000 | $427 | 2/2.5 | 1,500 | 233 | 0.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About The Cloister
The Cloister is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32233.
View all The Cloister homes for sale →Keep looking
More homes in The Cloister
For Sale10 10th Street 2Atlantic Beach, FL 32233
4 bd · 2 ba · 1,960 sq ft
$1,590,000Est. $8,463/moThe Cloister's condominium in Atlantic Beach is a direct oceanfront residence. It is a seldom offered four bedroom…
Listing Office: savvy avenue, llc.
For Sale10 10th Street G42Atlantic Beach, FL 32233
3 bd · 2 ba · 1,654 sq ft
$1,695,000Est. $9,022/moRare oceanside value at The Cloister in Atlantic Beach! This 3-bedroom, coastal condo puts you steps from the sand and…
Listing Office: compass florida llc
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 15, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines