This home is in Atlantic Shores, Jacksonville Beach.

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Active

Active·37 days on market·Atlantic Shores

28 26th Avenue S

Jacksonville Beach, FL 32250

$2,195,000$788/sqftEst. $11,192/moMLS# 2151351

Beds

Baths

2,785

Sq Ft

2016

Built

Garage

Pool

About this home

Atlantic Shores

Welcome to 28 26th Avenue South, where luxury coastal living meets timeless craftsmanship. Perfectly positioned on one of Jacksonville Beach's most coveted oceanfront streets, this custom-built three-story residence is just steps from the sand. Start your mornings walking your dog along the shoreline as the sun rises over the Atlantic, or end the day with an evening stroll to the beach with the family to watch the sunset. This is the beach lifestyle you've been dreaming of. Built in 2016 and thoughtfully upgraded throughout, this exceptional home offers over three levels of beautifully designed living space featuring 4 bedrooms, a dedicated movie room, and pre-wiring for a future elevator with an existing elevator shaft already in place for easy installation. From the moment you arrive, the lush professional landscaping and impressive double-door entry create unforgettable curb appeal worthy of a magazine cover. Inside, rich wood flooring, custom millwork, crown molding

Cost to own

Mortgage calculator

Home Price

$2,195,000

Down Payment: 20%

$439,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$11,192

Principal & Interest: $11,192

Property taxes (est.): $3,584

Insurance (est.): $1,463

Estimated Total Monthly

$16,239

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$11,192

Property taxesest. at asking price, Duval County$3,584

Estimated total, before insurance$14,776/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,850/yr · $1,071/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	$1,333,741	$687,805	—
2024	$1,548,578	$667,714	▼ $151
2023	$1,077,139	$646,810	—
2022	$979,591	$626,515	—
2021	$692,902	$606,811	—
2020	$680,490	$597,743	—

2025 property taxes (current owner): $12,850/yr

Estimated taxes if purchased at asking price: ~$43,000/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: material not specified — year not disclosed (home built 2016)

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

Likely sewer

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: ~1,557 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 19, 2026Listed$2,195,000

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

Features

Price$2,195,000

Price / Sq Ft$788

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,785

Acres0.08 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address28 26th Avenue S, Jacksonville Beach, FL 32250

Area212-Jacksonville Beach-SE

SubdivisionAtlantic Shores

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size3,484.8 sq ft

Parcel Number1816130000

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewBeach

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric, Hot Water

CoolingCentral Air, Electric, Split System

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories3

LevelsMulti/Split, Three Or More

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)