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This home is in Atlantic Shores, Jacksonville Beach.

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Active·45 days on market·Atlantic Shores

22 27th Avenue S

Jacksonville Beach, FL 32250

$2,799,000$948/sqftEst. $14,405/moMLS# 2152910

Beds

Baths

2,954

Sq Ft

2022

Built

Garage

Pool

About this home

Atlantic Shores

This coastal residence in highly sought-after South Jacksonville Beach offers sweeping ocean views and refreshing breezes from its second- and third-floor balconies, now enhanced with motorized screens and a retractable SunSetter awning, with beach access just steps from your front door. Designed for modern coastal living, the home features 4 bedrooms, 3.5 bathrooms, a dedicated study, and a private elevator providing effortless access to all levels. Quality construction includes a concrete-block first floor, impact-rated windows, a stem-wall foundation, and a stucco and cement board exterior.Inside, the home showcases elevated finishes throughout: white shaker cabinetry, quartz countertops, GE Café appliances, custom millwork, beautifully appointed bathrooms, a summer kitchen, custom closets, and integrated smart-home features enhanced by recent upgrades such as Z-Wave lighting controls, Ecobee thermostats, motorized blinds, and new designer lighting.

Cost to own

Mortgage calculator

Home Price

$2,799,000

Down Payment: 20%

$559,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$14,405

Principal & Interest: $14,405

Property taxes (est.): $4,570

Insurance (est.): $1,866

Estimated Total Monthly

$20,841

*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$14,405

Property taxesest. at asking price, Duval County$4,570

Estimated total, before insurance$18,975/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$29,816/yr · $2,485/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

Last sold: $2,300,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,658,325	$1,607,603	—
2024	$1,900,319	$1,850,319	▼ $640
2023	$1,286,448	$1,248,448	—
2022	$570,000	$570,000	—
2021	$361,000	$361,000	—
2020	$361,000	$355,300	—

2025 property taxes (current owner): $29,816/yr

Estimated taxes if purchased at asking price: ~$54,800/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2022)

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

Solar potential: ~1,802 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