This home is in Royal Palms, Atlantic Beach — a home near Duncan U. Fletcher High School.
Active Under Contract·46 days on market·Royal Palms
455 Irex Road
Atlantic Beach, FL 32233
About this home
Royal Palms
This coastal Atlantic Beach home offers a rare combination of extensive upgrades, character, and an unbeatable location. Situated in one of the most park-rich areas of NE Florida, with 10+ parks, preserves, and green spaces nearby, all easily accessible by bike, and many by foot! The beach is just a few short blocks away with no major roads to cross, while the vibrant Beaches Town Center, home to restaurants, coffee shops, local stores, and community events, is just minutes from your doorstep. The value of the improvements already completed here is substantial. Major updates include upgraded plumbing and electrical systems, (PVC and Copper wiring), high-end energy-efficient windows and slider door (2025), new flooring (2025), interior remodel (2018), architectural shingle roof (2018), and HVAC system with new ductwork (2018). For buyers looking for space, value, access to the beach, and an Atlantic Beach address, opportunities like this are exceptionally rare.
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 | $509,476 | $284,508 | — |
| 2025 | $467,737 | $417,015 | — |
| 2024 | $548,859 | $275,782 | — |
| 2024 | $451,132 | $383,799 | ▲ $159 |
| 2023 | $571,257 | $266,293 | — |
| 2023 | $378,337 | $348,909 | — |
| 2022 | $505,433 | $257,081 | — |
| 2022 | $333,312 | $317,190 | — |
| 2021 | $359,367 | $248,137 | — |
| 2021 | $288,355 | $288,355 | — |
| 2020 | $324,401 | $244,021 | — |
| 2020 | $283,713 | $283,713 | — |
2025 property taxes (current owner): $7,336/yr
Estimated taxes if purchased at asking price: ~$12,200/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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — 2018 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,615 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 26, 2026Active Under Contract$625,000
- Jul 16, 2026Price change$625,000−$14,900
- Jun 26, 2026Listed$639,900
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
The neighborhood
About Royal Palms
Royal Palms is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32233.
View all Royal Palms homes for sale →Listing Courtesy of: COWFORD REALTY & DESIGN LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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