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 — an oceanfront home in Northeast Florida.

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Active Under Contract

Active Under Contract·49 days on market

42 Third Street

Atlantic Beach, FL 32233

$6,490,000$1175/sqftEst. $33,468/moMLS# 2151164

Beds

Baths

5,523

Sq Ft

1916

Built

Garage

Pool

About this home

Atlantic Beach

An iconic Old Florida oceanfront landmark, this extraordinary Atlantic Beach estate offers a rare opportunity to own one of the area's most celebrated historic properties. Originally built in 1916, this multi-generational compound spans four distinct structures, including a three-story main residence encompassing 4,595 square feet, a charming guest cottage (245 square feet), a two-bedroom garage apartment (670 square feet) with an ocean-view deck, and a separate one-car garage. Meticulously preserved and thoughtfully restored, the property seamlessly blends historic character with modern comfort. The main residence showcases remarkable architectural details, including a Florida citrus family mosaic, original stained-glass windows, French doors, historic hardware, the original staircase, and beautifully preserved heart pine floors. Every restoration has been completed with a commitment to maintaining the home's historical integrity while enhancing its livability for today's lifestyle.

Cost to own

Mortgage calculator

Home Price

$6,490,000

Down Payment: 20%

$1,298,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$33,468

Principal & Interest: $33,468

Property taxes (est.): $10,597

Insurance (est.): $4,327

Estimated Total Monthly

$48,392

*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$33,468

Property taxesest. at asking price, Duval County$10,597

Estimated total, before insurance$44,066/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$52,534/yr · $4,378/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	$4,843,070	$3,044,750	—
2024	$4,734,156	$2,958,234	▼ $308
2023	$4,088,903	$2,870,616	—
2022	$3,489,137	$2,788,348	—
2021	$2,920,617	$2,705,678	—
2020	$2,777,777	$2,667,632	—

2025 property taxes (current owner): $52,534/yr

Estimated taxes if purchased at asking price: ~$127,200/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: Metal, Shingle — year not disclosed (home built 1916)

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: ~1,814 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

Jun 18, 2026Listed$6,490,000

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

Features

Price$6,490,000

Price / Sq Ft$1,175

Bedrooms7

Bathrooms7.00

Full Baths7

Square Footage5,523

Acres0.29 acres

Year Built1916

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Multi Generational

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesWest

Community Information

Address42 Third Street, Atlantic Beach, FL 32233

Area232-Atlantic Beach-South

SubdivisionAtlantic Beach

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size12,632.4 sq ft

Lot Dimensions50' x 245'

Parcel Number1701930000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Detached, Garage, Garage Door Opener, Gated

ViewBeach, Ocean

Waterfront TypeDeeded Beach Access, Ocean Access, Ocean Front

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Primary Bathroom - Tub with Shower, Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric, Multi Units, Wall/Window Unit(s)

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, In Garage, In Unit, Upper Level, Washer Hookup

SecuritySmoke Detector(s)