This home is in Atlantic Beach.

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Active

Active·13 days on market

1455 Begonia Street

Atlantic Beach, FL 32233

$269,000$256/sqftEst. $1,432/moMLS# 2153583

Beds

Baths

1,050

Sq Ft

1989

Built

Garage

Pool

About this home

Atlantic Beach

Hot flip opportunity in the Atlantic Beach area! The layout offers the opportunity to convert the home into a 3/2 to boost value, making it primed for a profitable renovation. This 2/1 home offers 1,050 sq ft of living space and 1,320 gross sq ft, featuring a garage, a massive sunroom, a functional layout, and excellent value-add potential. With a 2012 roof and a new fence installed in 2021, several key updates have already been completed. Conveniently located near the beach, shopping, dining, and major roadways, this is a great opportunity for investors looking to maximize returns. Perfect for investors or anyone looking to renovate and create their own vision!

Cost to own

Mortgage calculator

Home Price

$269,000

Down Payment: 20%

$53,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,359

Principal & Interest: $1,359

Est. Taxes & Insurance: $340

Estimated Total Monthly

$1,698

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,432

Property taxesest. at asking price, Duval County$439

Estimated total, before insurance$1,871/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$250,929	$34,513	—
2024	$240,445	$32,692	—
2023	$231,838	$30,138	—
2022	$198,413	$32,159	—
2021	$149,542	$29,752	—
2020	$145,570	$28,644	—

Estimated taxes if purchased at asking price: ~$5,300/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 — 2012 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely sewer · Public water (record)

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,614 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History