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 Shores, Jacksonville Beach — a home near Duncan U. Fletcher High School.

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Active

Active·46 days on market·Atlantic Shores

487 33rd Avenue S

Jacksonville Beach, FL 32250

$969,900$471/sqftEst. $5,002/moMLS# 2152551

Beds

Baths

2,058

Sq Ft

2000

Built

—

Garage

Pool

About this home

Atlantic Shores

Experience the best of Jacksonville Beach living just four short blocks from the Atlantic Ocean. This distinctive coastal home is filled with character, featuring soaring open-rafter ceilings, abundant natural light, and an open, inviting floor plan. Multiple living and entertaining spaces flow seamlessly to a private tropical backyard surrounded by mature palm trees, creating the perfect setting to relax or host family and friends. Enjoy the laid-back beach lifestyle with restaurants, shopping, parks, and entertainment just a short walk or bike ride away. Whether you're looking for a primary residence, vacation home, or investment opportunity, this one-of-a-kind property offers the charm, location, and coastal lifestyle that make Jacksonville Beach so desirable.

Cost to own

Mortgage calculator

Home Price

$969,900

Down Payment: 20%

$193,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$5,002

Principal & Interest: $5,002

Property taxes (est.): $1,584

Insurance (est.): $647

Estimated Total Monthly

$7,232

*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$5,002

Property taxesest. at asking price, Duval County$1,584

Estimated total, before insurance$6,585/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,012/yr · $334/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	$633,921	$208,672	—
2024	$634,026	$202,084	—
2023	$502,347	$194,742	—
2022	$436,437	$187,614	—
2021	$399,021	$180,694	—
2020	$391,063	$177,509	—

2025 property taxes (current owner): $4,012/yr

Estimated taxes if purchased at asking price: ~$19,000/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 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: Metal — year not disclosed (home built 2000)

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

Sewer · FL0020231 - City of Jacksonville Beach · Public water (record)

County records show this parcel on central sewer served by FL0020231 - City of Jacksonville Beach — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,676 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

Jul 10, 2026Price change$969,900−$15,100
Jun 26, 2026Listed$985,000

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

Features

Price$969,900

Price / Sq Ft$471

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,058

Acres0.13 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementarySeabreeze

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address487 33rd Avenue S, Jacksonville Beach, FL 32250

Area214-Jacksonville Beach-SW

SubdivisionAtlantic Shores

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size5,662.8 sq ft

Parcel Number1805150050

ZoningSingle Family

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic, Well

ParkingOff Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, Gas Cooktop, Microwave, Washer/Dryer Stacked

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringConcrete

# of Stories1

LevelsOne

LaundryIn Unit