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This home is in Atlantic Beach — a pool home in Jacksonville.

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Pending

Pending·51 days on market

2009 Vela Norte Circle

Atlantic Beach, FL 32233

$1,595,000$561/sqftEst. $8,208/moMLS# 2151842

Beds

Baths

2,844

Sq Ft

1994

Built

Garage

Yes

Pool

About this home

Atlantic Beach

The only fully updated 4BR/3.5BA pool home in Atlantic Beach under $1.6M -- with no HOA, no CDD, and no club dues required. This all-brick residence sits on an oversized 0.34-acre corner lot on a quiet oak-lined street in Selva Norte, a short walk or bike to the sand, Atlantic Beach Country Club, and the restaurants and shops of Beaches Town Center. Inside, a fully renovated kitchen with quartz counters and upgraded stainless appliances opens to two generous living areas. The first-floor primary suite is joined by a second primary/in-law suite -- ideal for guests or multigenerational living. Out back, a screened resort-style lanai frames a heated saltwater pool with LED lighting and a private fenced yard. Whole-house generator, fresh interior and exterior paint, epoxy-floored side-entry garage plus circular drive, custom landscape lighting. Zoned for A-rated Atlantic Beach Elementary. Move-in ready -- nothing to do but unpack and enjoy the beach!

Cost to own

Mortgage calculator

Home Price

$1,595,000

Down Payment: 20%

$319,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$8,208

Principal & Interest: $8,208

Property taxes (est.): $2,604

Insurance (est.): $1,063

Estimated Total Monthly

$11,876

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$8,208

Property taxesest. at asking price, Duval County$2,604

Estimated total, before insurance$10,813/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,602/yr · $717/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	$1,192,678	$490,630	—
2024	$1,194,785	$476,096	▼ $816
2023	$757,685	$460,773	—
2022	$720,828	$445,897	—
2021	$599,817	$431,454	—
2020	$550,464	$424,807	—

2025 property taxes (current owner): $8,602/yr

Estimated taxes if purchased at asking price: ~$31,300/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: Shingle — year not disclosed (home built 1994)

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).

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

Jul 12, 2026Pending$1,595,000
Jun 27, 2026Listed$1,595,000

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

Features

Price$1,595,000

Price / Sq Ft$561

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,844

Acres0.34 acres

Year Built1994

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Fenced, Heated, Screen Enclosure

Is WaterfrontNo

School Information

ElementaryAtlantic Beach

MiddleMayport

HighDuncan Fletcher

Community Information

Address2009 Vela Norte Circle, Atlantic Beach, FL 32233

Area231-Atlantic Beach-North

SubdivisionSelva Norte

CityAtlantic Beach

CountyDuval

StateFL

Zip Code32233

Lot Size14,810.4 sq ft

Parcel Number1695061110

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Circular Driveway, Garage

ViewPool

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, In-Law Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup

Window FeaturesSkylight(s)

SecuritySecurity System Owned, Smoke Detector(s)