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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Ocean Village, Atlantic Beach — a home near Duncan U. Fletcher High School.

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Active

$684,7803 bd · 2.5 ba · 1,960 sq ft

Active·7 days on market·Ocean Village

2233 Seminole Road 32

Atlantic Beach, FL 32233

$684,780$349/sqftEst. $3,733/mo mortgageMLS# 2152682
↓ $10,700 below original list
3
Beds
2.5
Baths
1,960
Sq Ft
1974
Built
—
Garage
No
Pool

3 more homes for sale in Ocean Village →Search Ocean Village on the map

FEMA Zone XHOA $900/mo1,742 sqft lotWaterfrontCondominium2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Ocean Village

OCEANFRONT COMMUNITY LIVING WITHOUT THE OCEANFRONT PRICE! List Price includes $3,300.00 towards HOA Dues or can be used towards Buyers Closing Costs/Buy Down Interest Rate!! Live the beach lifestyle you've been dreaming of in the highly sought-after ''Ocean Village'' community. Enjoy excellent beach access, a private community beach walkover, community pool, and a truly walkable coastal lifestyle-all without paying the oceanfront premium. This beautifully updated, move-in-ready 3 bedroom condominium offers 1,960 SF & features luxury ceramic tile simulated-plank flooring throughout, stunning updated kitchen w/ granite countertops, oversized sink, center prep island, tile backsplash, stainless-steel appliances, french door refrigerator. Additional upgrades include tankless hot water heater & renovated primary suite bathroom. Come see it and make it yours!

Next steps in Ocean Village

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$3,733
Property taxesest. at asking price, Duval County$1,118
HOAbilled monthly$900
Estimated total, before insurance$5,752/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,315/yr · $776/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$684,780
$136,956
Loan Term
Monthly Payment
$3,733
Principal & Interest: $3,733
Property taxes (est.): $1,118
Insurance (est.): $457
Estimated Total Monthly
$5,308
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1974)

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

Likely sewer · FL0038776 - City of Atlantic Beach GIS sewer features · Public water (record)

County records indicate this parcel on central sewer served by FL0038776 - City of Atlantic Beach GIS sewer features — no septic system to inspect or maintain.

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

Solar potential: ~1,680 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

Last sold: $655,000 in January 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$675,050$532,077—
2024$566,375$516,375—
2023$600,000$526,955—
2022$493,200$479,050—
2021$435,500$435,500▲ $22,100
2020$435,500$380,004▲ $37,900

2025 property taxes (current owner): $9,315/yr

Estimated taxes if purchased at asking price: ~$13,400/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

  • Nov 6, 2026Price change$684,780−$2,500
  • Nov 2, 2026Active$687,280
  • Nov 1, 2026Withdrawn$687,280
  • Oct 31, 2026Price change$687,280−$2,500
  • Oct 24, 2026Price change$689,780−$2,500
  • Sep 27, 2026Price change$692,280+$92,380
  • Sep 17, 2026Price change$599,900−$93,080
  • Aug 25, 2026Price change$692,980−$2,500
  • Jun 26, 2026Listed$695,480

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $370/sq ft; this home is listed at $349/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2133 Seminole Road 4, Atlantic Beach, FL 32233Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYDec 2025$610,000$3703/2.51,6501310.1
2058 Beach Avenue, Atlantic Beach, FL 32233Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYDec 2025$868,000$3813/2.52,2801210.1
2009 Seminole Road 2009, Atlantic Beach, FL 32233Listed by COMPASS FLORIDA LLCMay 2026$700,000$4113/2.51,704200.2
1913 Seminole Road, Atlantic Beach, FL 32233Listed by COMPASS FLORIDA LLCSep 2026$725,000$3644/2.51,99350.4
1810 Sevilla Boulevard 311, Atlantic Beach, FL 32233Listed by TU FAMILIA REAL ESTATEApr 2026$459,000$2942/21,560430.6
1830 Sevilla Boulevard 207, Atlantic Beach, FL 32233Listed by OAKLEAF EQUITY INCFeb 2026$385,000$2772/21,3922340.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$684,780
Price / Sq Ft$349
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,960
Total Structure Area1,960 sq ft
Acres0.04 acres
Year Built1974
TypeResidential
Sub-TypeCondominium
StyleOther
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontYes
Direction FacesEast

School Information

Community Information

Address2233 Seminole Road 32, Atlantic Beach, FL 32233
Area231-Atlantic Beach-North
SubdivisionOcean Village
CityAtlantic Beach
CountyDuval
StateFL
Zip Code32233
Lot Size1,742.4 sq ft
Parcel Number1695190162
ZoningCondominium

Amenities

AmenitiesPool, Beach Access, Maintenance Grounds, Management - Off Site
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Assigned
ViewOther
Waterfront TypeOcean Access

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned
HeatingCentral, Electric, Heat Pump, Zoned
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level
SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Glass Enclosed, Rear Porch
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedNovember 2, 2026
Days on Market7
HOA Fees$900 / Monthly
HOA FrequencyMonthly
HOA NameMarvin & Floyd
HOA Fee IncludesInsurance, Maintenance Grounds
Tax Amount$9,315.1
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

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 Ocean Village

Ocean Village is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32233.

View all Ocean Village homes for sale →
Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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