This home is in The Cloister, Atlantic Beach — an oceanfront home in Northeast Florida.
Active·90 days on market·The Cloister
10 10th Street G42
Atlantic Beach, FL 32233
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About this home
The Cloister
Rare oceanside value at The Cloister in Atlantic Beach! This 3-bedroom, coastal condo puts you steps from the sand and under 1 mile from Beaches Town Center's shops, yoga studios, fine dining, coffee bars & nightlife. Wake up to ocean breezes and walk to the water in minutes. Top floor location showcasing hardwood floors, spacious kitchen with high-end cabinetry & appliances, 2 skylights, and an enclosed sprawling lanai perfect for sunrise coffee or sunset cocktails. Generously sized primary suite with ocean views plus 2 guest bedrooms offer privacy for family or guests. 1-car garage included adds storage and parking ease. The prestigious Cloister offers gated entry, private beach access & a community pool — ideal as a primary residence, vacation retreat, or income-producing beach rental. Short drive to Mayo Clinic, Naval Station Mayport, downtown Jacksonville & JAX airport. Embrace the feeling of being on vacation every day in this idyllic coastal condo!
Next steps in The Cloister
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.
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 1975)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer · FL0038776 - City of Atlantic Beach · Public water (record)
County records indicate this parcel on central sewer served by FL0038776 - City of Atlantic Beach — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,721 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $924,500 | $844,687 | — |
| 2024 | $941,000 | $820,174 | — |
| 2023 | $941,000 | $794,830 | — |
| 2022 | $700,500 | $620,400 | — |
| 2021 | $564,000 | $564,000 | — |
| 2020 | $564,000 | $564,000 | — |
Estimated taxes if purchased at asking price: ~$33,200/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.
History
Price & status history
- Aug 27, 2026Price change$1,695,000−$100,000
- Jul 10, 2026Price change$1,795,000−$45,000
- Jul 2, 2026Listed$1,840,000
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: COMPASS FLORIDA 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 The Cloister
The Cloister is a neighborhood in Atlantic Beach, FL (Duval County), ZIP 32233.
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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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines