This home is in Atlantic Beach — an oceanfront home in Northeast Florida.
Active·44 days on market
10 10th Street G42
Atlantic Beach, FL 32233
About this home
Atlantic Beach
STEPS FROM THE OCEAN! Experience the ultimate beach lifestyle with this Cloister gem, your perfect coastal condo or vacation retreat! Nestled in Atlantic Beach, imagine waking up to the sound of the waves & enjoying a leisurely stroll to the ocean, just steps away. The vibrant Beaches Town Center is less than 1 mile & within walking distance, offering a lively mix of shops, yoga, fine dining, coffee bars and nightly entertainment. This well-maintained condo boasts spacious living areas designed for entertaining & comfort. The enclosed lanai offers an abundance of outdoor living space to watch the sunrises or sunsets. With a spacious primary bedroom & 2 guest bedrooms, residents will enjoy privacy. Luxury features throughout such as hardwood flooring, high-end cabinets & appliances and 2 skylights that fill the condo with plenty of light. Also included is a 1-car garage convenient for additional storage. The Cloister includes a gated entry, private beach access & a community pool.
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.
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: ~$35,200/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 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.
History
Price & status history
- 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 by realMLS (Northeast Florida MLS).
Keep looking
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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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines