This home is in Selva Norte, Atlantic Beach — a pool home in Jacksonville.
Pending·96 days on market·Selva Norte
2009 Vela Norte Circle
Atlantic Beach, FL 32233
3 more homes for sale in Selva Norte →Search Selva Norte on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Selva Norte
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!
Next steps in Selva Norte
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 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 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 | $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.
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: INI REALTY
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 Selva Norte
Selva Norte is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32233.
View all Selva Norte homes for sale →Keep looking
More homes in Selva Norte
Under Contract2009 Vela Norte CircleAtlantic Beach, FL 32233
4 bd · 3.5 ba · 2,844 sq ft
$1,549,000Est. $8,244/moFinding an affordable, turnkey entry point into the heart of Atlantic Beach is incredibly rare, but 2009 Vela Norte…
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Under Contract1978 Brista De Mar CircleAtlantic Beach, FL 32233
4 bd · 3 ba · 3,364 sq ft
$1,500,000Est. $7,984/moLocation: the only thing you cannot change! Welcome Home to this well appointed open floor plan private pool oasis with…
Listing Office: hover girl properties
Pending2081 Vela Norte CircleAtlantic Beach, FL 32233
3 bd · 2.5 ba · 2,570 sq ft
$959,000Est. $5,104/moWelcome to this charming brick home in Atlantic Beach, perfectly situated for enjoying the best of coastal living.…
Listing Office: kst group llc
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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.
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines