This home is in Atlantic Beach — a home near Duncan U. Fletcher High School.
Active·46 days on market
2179 Fairway Villas Lane S
Atlantic Beach, FL 32233
About this home
Atlantic Beach
Location, No HOA! Contemporary ranch home in highly desirable Atlantic Beach. Located just minutes from the ocean on a quiet, double-cul-de-sac street, this bright and airy 3 bed, 2 bath home is perfect for morning and evening strolls. Home backs up to the Atlantic Beach Country Club Golf Course, allowing you to catch refreshing ocean breezes and scenic views of the sparkling lake. Inside, the beautifully updated interior showcases vaulted ceilings, modern ceiling fans, durable ceramic tile flooring, and plush new carpet in the bedrooms. The kitchen and both bathrooms have been completely refreshed with stylish, contemporary finishes. Additional highlights include a new roof (2025), new windows, convenient indoor laundry, fresh paint inside and out, and a two car garage finished with premium Shark coating. Outdoor living is made easy with an spacious patio to BBQ off the kitchen/family room that leads out to a spacious, fully landscaped fenced backyard. No HOA. Schedule your appt today
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 | $262,801 | $262,801 | — |
| 2024 | $258,552 | $64,476 | — |
| 2023 | $246,789 | $61,142 | — |
| 2022 | $202,131 | $57,905 | — |
| 2021 | $177,862 | $54,763 | — |
| 2020 | $134,887 | $53,317 | — |
2025 property taxes (current owner): $4,520/yr
Estimated taxes if purchased at asking price: ~$8,500/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: Shingle — 2025 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely sewer · FL0038776 - City of Atlantic Beach GIS sewer features · Public water (record)
County records indicate this parcel on central sewer served by FL0038776 - City of Atlantic Beach GIS sewer features — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,713 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 29, 2026Price change$433,000−$2,000
- Jun 16, 2026Listed$435,000
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: COMPASS FLORIDA 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
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